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Ahlam is a young woman who is 29 years old. She is married with two sons and two daughters. Her husband is a municipal employee with a decent salary, but he also works part time in cutting wood for sale in order to increase the family income. Ahlam wants to help her husband in purchasing a new machine for cutting wood to improve his work and increase his sales, but the amount of money she has isn't enough to pay, so she needs to take a loan from FATEN. When Ahlam gets the loan, she will be able to help her husband to purchase this wood-cutting machine, so he will improve his work, produce more wood, and increase his sales, which will increase his income and provide the family with better living conditions. Ahlam is a conservative woman, so her husband Mohammad was photographed instead in the FATEN branch.

About this loan product:
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
  • 38
    View loans »
    Palestine Loans Fundraising
  • $12,470,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,800 helped Ahlam to purchase a new wood-cutting machine.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 12, 2011
Nov 4, 2011
Currency Exchange Loss:
May 23, 2013