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Manal is a conservative person who prefers not to have her photo published online, so her husband, pictured in his workshop, appears in her Kiva profile photo. Manal is a 33-year-old young woman: she is married with no children yet. Her husband is employed but earns a low salary which is not enough to cover the family's needs.

For the past four years, Manal's husband has also been fixing electric generators and selling generator spare parts which has been a profitable project. It is located in a good movement area and he has many loyal customers but also needs more support to cover the workshop costs.

Manal is requesting a USD loan from FATEN to help her husband cover the costs of purchasing spare parts that are necessary for fixing electric generators. This will increase the amount of work and improve the family's income which will enable Manal and her husband to live in better conditions.

About Shariah-compliant lending:
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 for 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

More information about this loan

This loan is governed by Islamic lending principles. Because Islamic Law prohibits the charging of interest, FATEN is charging 0% interest on this loan. This is a Murabaha loan, which means that FATEN purchases goods for borrowers and charges a fee or mark-up. Click here to learn more about this loan type and Kiva's approach to lending in the Islamic world.  


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
  • 40
    View loans »
    Palestine Loans Fundraising
  • $11,639,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Manal to purchase generator spare parts.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jun 13, 2012
Jul 13, 2012
Currency Exchange Loss:
Aug 18, 2014