A loan of $2,400 helped a member to purchase an overlock machine (a serger).

Zhyan's Group's story

Zhyan is a 44-year-old Iraqi woman. She is married and a mother of four children. With limited career options due to cultural restrictions and domestic constraints, Zhyan is one of the many Iraqi woman who is working from home, using her sewing skills to generate some income and participate in meeting the financial needs of her family.

Zhyan took and repaid two loans in the past from Relief International Iraq. The first loan she used to buy a small generator allowing her to work even during the hours the city lacks power. And the second she used to improve her work area. Zhyan was featured as a Kiva client a year ago as member of a different group.

Zhyan now has six years experience with the small, home-based sewing and tailoring business activity and is taking a new loan to purchase an over machine (also known as a serger).

Relief International - Microfinance Iraq offers "Group loans" for clients unable to provide a guarantor - thereby unable to apply for a loan as an individual. As a group, the members collectively guarantee the loan. Groups consist of 3 to 5 clients and each client is evaluated on his or her repayment capacity. All group members receive the same loan amount as the individual with the lowest repayment capacity in the group.

Based on the political and social challenges of lending in Iraq, personally identifiable information about this borrower has been altered for their protection. RI-Iraq appreciates Kiva lenders' consideration of these challenges and encourages lenders to continue their support for Iraqi borrowers.

In this group: Zhyan, Rezan, Nashin

Loan details

Lenders and lending teams

Loan details