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This borrower is from Iraq. She is 29 years old, married, and lives with her husband and four children.

Nawras has been a tailor since 2008. She makes, repairs, and alters clothing professionally, including suits, coats and trousers for women, men and kids. She has good experience in this field, a deep understanding of local customers and knows about their needs. She has a good reputation and she is becoming well known in her surrounding areas.

She is requesting $1,200 to purchase an industrial sewing machine and to add more supplies like buttons, zippers and thread. She is aiming to gain more profits to offer her the opportunity to provide a better life for her family as a whole.

Additional Information

About CHF International Access to Credit Services Initiative

CHF International Access to Credit Services Initiative Iraq has played a significant role in the rehabilitation of the Iraqi economy. As the largest microfinance institution in Iraq, ACSI is well-positioned to provide quality financial services. When lending through CHF, please consider the following:

1. Due to social and political challenges in Iraq, personally identifiable attributes of this borrower may have been altered to protect their identity (i.e. blurring portions of the borrower's photo, anonymizing name and location, etc.). CHF appreciates Kiva lenders' understanding of these challenges and encourages lenders to continue their support for Iraqi borrowers.

2. To cater to more Iraqi borrowers, CHF offers loans that comply with Islamic law. A key principle of Islam is the prohibition of charging interest on a loan. In order to offer loans in a manner consistent with borrowers' values, CHF will charge 0% interest on this loan. However, the organization does charge a flat service fee to cover its costs. The loan amount you see listed on Kiva includes both the principal loan and this additional fee. As with all Kiva loans, you should expect to have your funds returned to you according to this loan’s repayment schedule. For more information on lending in the Muslim world, please click here.

3. Please note that CHF has not been visited by any members of Kiva's staff. Due to ongoing security concerns, due diligence was conducted remotely. ACSI does, however, meet all of the minimum criteria for partnership with Kiva.

4. 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 be delayed for regulatory reasons, even if individual borrowers pay back their loans. When you make a loan through CHF, you assume this additional risk.

About Iraq

  • $7,100
    Average annual income
  • 0
    View loans »
    Iraq Loans Fundraising
  • $9,342,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Nawras to purchase an industrial sewing machine and to add more supplies like buttons, zippers and thread.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 29, 2011
Nov 1, 2011
Currency Exchange Loss:
Nov 15, 2012