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Khitam is 32 years old. She lives with her husband and two children (aged five and six) in Shu’afat, north-east Jerusalem. She has ten years experience in glass cutting and fashioning. She has received business training from MATI, a business development foundation in Jerusalem, and is now keen to develop her own business specialising in stained glass. There is a growing market in stained glass in the city, but none is produced in East Jerusalem. This is the niche that Khitam would like to fill; she is aware of a circle of architects and interior designers interested in her product. Khitam currently works in a glass centre, and has secured a rent free place to set up a dedicated oven for stained glass production from her current boss, on the understanding that she will cover for him as necessary. This arrangement greatly increases the potential and reduces the risk of the project. Khitam hopes to expand the project to provide training in stained glass fashioning to youth in the area, whose prospects are otherwise limited.

Additional Information

About Jerusalem Interest-Free Microfinance Fund Limited

Jerusalem Interest - Free Microfinance Fund (JIMF) is a charitable organization that provides loans and business development training to entrepreneurs and small business owners in Jerusalem. To address the city’s 40% poverty rate, it brings together women from the poor ultra-orthodox Jewish (Charedi) and Arab communities to receive training and build strong local economies. In the process, it aims to ease tension between religious and ethnic groups and promote peaceful interactions.

Jerusalem Interest - free Microfinance Fund joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.

About Israel

  • $36,200
    Average annual income
  • 3
    View loans »
    Israel Loans Fundraising
  • $1,338,575
    Funds lent in using Kiva
  • 3.6
    Israel New Shekels (ILS) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $4,975 helped Khitam to purchase and to set up a dedicated oven for stained glass production.
77% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 17, 2013
Apr 15, 2013
Currency Exchange Loss: