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Al-Njah Group
In this Group: Fathiah, Badriah, Sabah, Hana
This group is called Al-Njah. It consists of four members Fathiah, Badriah, Sabah and Hana. All of them are hardworking ladies. They took a loan of 200,000 YER.

Badriah is 42 years old and lives in Taiz, Yemen. She is the one who is seated in the photo. She is married with four children. She sells incenses and perfumes to her customers who are her neighbors and friends. She has had this business for three years. She is professional in making incense and so her customers are comfortable with her. She requested a loan of 50,000 YER from AMB to buy materials to make incense and perfumes for for her business.

She hopes to improve her business to offer good life for her family.

Additional Information

About Al-Amal Microfinance Bank

Al-Amal reaches out to low-income micro-entrepreneurs and small business owners in Yemen with a suite of credit, savings, and insurance products tailored for Muslim borrowers. Before lending through Al-Amal, please consider the following:

1) Due to ongoing security concerns, full due-diligence of Al-Amal was conducted remotely rather than on-site. This makes Al-Amal atypical among Kiva's Field Partners, as Kiva staff have not conducted an on-site assessment. Al-Amal's assessment included in-person meetings with the top management in other, more secure locations in the Middle East.

2) Because Yemen is a new and unstable environment, there is a possibility that future loan repayments could be held indefinitely in the country for regulatory reasons, even if individual borrowers pay back their loans. As a lender to borrowers in Yemen, you accept this additional risk.

Additionally, all of Al-Amal's products are Sharia compliant and customized for its Muslim clients. Most of the loans are structured as Murabaha interest free loans. Al-Amal purchases goods for its borrowers and charges them a markup or fee. Al-Amal is also experimenting with Ijarah loans (an Islamic leasing product). For more information on Islamic microfinance, please click here.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Yemen

  • $3,900
    Average annual income
  • 0
    View loans »
    Yemen Loans Fundraising
  • $3,225,150
    Funds lent in using Kiva
  • 214.5
    Yemen Rials (YER) = $1 USD

Success!! The loan was 100% repaid

A portion of Al-Njah Group's $950 loan helped a member to buy materials to make incense and perfumes.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 16, 2012
Jul 3, 2012
Currency Exchange Loss:
May 17, 2013