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Heyam is a 23-year-old young woman, and she is married and has one son. Her husband is a Palestinian National Authority employee with a decent salary. Heyam wants to purchase a new refrigerator for her house, but the amount of money she has isn't enough to pay, so she needs to take a loan of $1,000 from FATEN. When Heyam gets the loan, she will purchase the new refrigerator, and she will improve her house and provide her family with better living conditions. Heyam is a conservative woman, so her husband Shaker is photographed instead.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Palestine

  • $4,900
    Average annual income
  • 38
    View loans »
    Palestine Loans Fundraising
  • $12,485,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Heyam to purchase a new refrigerator for home.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 23, 2011
Nov 5, 2011
Currency Exchange Loss:
Jun 15, 2012