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Update on Khitam

Khitam, 54 years old widowed. She has dedicated herself to the business that she started two years ago, which is a small grocery and food store.

During these two years she has been able to add new items using the profit she makes, but now she has applied for this loan to enhance the store and buy a second refrigerator to prepare for the summer season and fill it with refreshing drinks.

Previous Loan Details

Khitam is 53 years old, widowed, and she did not want to struggle in this life by being unemployed, so she opened a grocery store one year ago. Little by little she was able to fill the store with the most wanted items in the neighborhood, until it became one of the most visited grocery stores i... More from Khitam's previous loan »

Additional Information

About National Microfinance Bank

Jordan is a small country located in the heart of the Middle East’s Levant region. Regional instability has caused Jordan to be excluded from global investments for decades. Additionally, a lack of natural resources—including water and energy—places tremendous strain on the Jordanian economy, over 80% of which consists of small businesses, largely in the service industry. Despite their importance in the economy, many of these businesses are excluded from the banking sector because of their size. Microfinance institutions like National Microfinance Bank offer them an opportunity to enhance and expand their businesses. NMB also offers its services to other underprivileged peoples in Jordan, providing them with loans to pursue educational goals and improve their homes and livelihoods.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Jordan

  • $6,100
    Average annual income
  • 26
    View loans »
    Jordan Loans Fundraising
  • $8,217,975
    Funds lent in using Kiva
  • 0.7
    Jordan Dinars (JOD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Khitam to buy a refrigerator for her store.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Mar 18, 2012
Apr 17, 2012
Currency Exchange Loss:
Jul 17, 2013
This photo was used before for a previous loan for Khitam. It was first posted on Kiva on Jul, 2011. Learn More