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Zareife is a young woman from Jabalia Refugee Camp. She is married and a mother of three daughters and two sons. Her husband Kamal owns a small sheep farm on which he raises sheep for sale.

Zareife came to FATEN and took a loan because her husband needs to increase the number of sheep he raises since Al Adha feast is around the corner and demand is increasing. Zarefei's husband will use the loan for this purpose which will increase their income and improve the family's situation.

Zarefie's husband Kamal appears in the picture here as Zareife, like all Gazans, is very religious and is not comfortable having her picture online.

About Shariah-compliant lending:

FATEN offers loan products that are designed to serve borrowers all over Palestine, including some religiously conservative areas. A key tenet of Islam is the prohibition of interest in the lending or accepting of money. This prohibition is based on the belief that money should be seen only as a medium of exchange and that it has no value in itself. FATEN has adapted the terms of this loan to fit the cultural context by attaching a 0% interest rate to the loan. In order to cover its costs, FATEN does charge a servicing fee. The amount you see fundraising includes both the principal loan and the loan servicing fees. As with all Kiva loans, you should expect to have your funds returned to you in accordance with the repayment schedule attached to this loan. For more information on lending in the Muslim world, please visit Kiva's Muslim World Lending helptext:

Additional Information


Palestinians face unique challenges due to the economic and political environment in the West Bank and Gaza. Click here to learn more about how Kiva and FATEN are working to help Palestinian borrowers overcome these obstacles and how your support can make a difference.

About Palestine

  • $4,900
    Average annual income
  • 55
    View loans »
    Palestine Loans Fundraising
  • $11,628,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Zareife to purchase sheep for sale.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 21, 2010
Nov 14, 2010
Currency Exchange Loss:
May 15, 2012