This borrower is 32 years old and single. She graduated from primary school. The borrower will use this loan to purchase a sewing-machine, cloth and ribbons. The borrower has a good character and she is a skilled lady and can attract lots of clients. The clients go to her to have her make skirts, shirts and women's outfits. The borrower makes garments and then sells them to the customers. She has an ambition to develop and further her work in order to raise her income.
Please note this Field Partner is "atypical" among Kiva's partner base as they have not been visited by any members of Kiva's staff. Because of on-going security concerns, due diligence was conducted remotely. This partner does, however, meet all of the minimum criteria for partnership with Kiva. Also, please be aware that Iraqi regulations are currently unclear about whether microfinance institutions are legally allowed to obtain foreign funding. While Kiva has been able to send and receive funds to and from Iraq in the past, there is a possibility that future loan repayments could get stuck in the country for regulatory reasons, even if individual borrowers pay back their loans. As a lender to borrowers in Iraq, you would be taking on this additional risk. Kiva cannot guarantee the return of these funds, but it will do all within its power to resolve any issues that may arise.