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Al-Afrah Group
In this Group: Najeeb, Amal, Aisha, Afrah
This group, called Al-Afrah, consists of four members who are three women and one man. They are from Aden, Yemen. All their projects are home-based; however, they have many clients, mostly women. All the group members are considered hardworking people who very much want to get ahead. This group took a loan of 320,000 YER.

Amal is 30 years old, married, and has four children. She lives in Aden. She’s affectionately a part of this group and she says that she’s very happy because her business has improved little by little.

She has been distributing mobile phones and mobile recharge cards. She started the business because she wanted to help her family with their children’s expenses and to have her own capital to cover any unexpected costs. She loves her work and aspires to continue to get more profit. For this reason, she’s asking for a youth loan of 30,000 YER from AMB to continue buying mobiles and recharge cards that will help her to get more profit from her business. She dreams of opening an electronics shop.

Additional Information

More information about this loan

This loan is helping support a borrower who is 30 or under. Because many young people lack business experience or established credit histories, it can be even more difficult for them to access financial services. By funding this youth loan, you are expanding opportunity for a young person with limited resources. 

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

  • $2,700
    Average annual income
  • 22
    View loans »
    Yemen Loans Fundraising
  • $3,195,100
    Funds lent in using Kiva
  • 214.6
    Yemen Rials (YER) = $1 USD

Success!! The loan was 100% repaid

A portion of Al-Afrah Group's $1,500 loan helped a member to continue buying mobile phones and recharge cards.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 1, 2012
Oct 15, 2012
Currency Exchange Loss:
Feb 17, 2015