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Jihan is a 44-year-old mother of 5 children living in Tulkarem area.

She took a loan from ACAD to rehabilitate the irrigation network for her thyme farm by buying new pipes, a pump, and a water tank. The new irrigation system will increase the efficiency and allow her to expand her production.

Jihan starting her thyme farm by investing in a bee hive project, then she decided to start this thyme farm, and now she collects the thyme, dries it, and sells it to the local market.

Her future goals are to develop her project and to plant another piece of land with peach trees. Jihan sees the lack of labor and the difficulties in marketing in winter as her main challenges, as well as wild pigs that destroy the plants.

Additional Information

More information about this loan

This loan is part of ACAD's new pilot project to offer water loans for farmers to irrigate their land. Limited water access is a serious issue for many farmers in the West Bank. These loans are designed to help them buy water tanks, create holding pools, or build irrigation systems to improve their crop yields and income.

Important Information

The Arab Center for Agricultural Development (ACAD) is a microfinance organization operating in Ramallah, Palestine. Founded in 1993, it provides micro-loans, small loans, and agriculture loans and more to poor and low-income Palestinian entrepreneurs. ACAD focuses on several areas of development including offering credit, fostering community and building cooperatives.

Kiva lenders’ funds are used to help ACAD serve more people in remote areas, especially farmers working in agricultural cooperatives. Additionally, these funds enable ACAD to offer loans at lower interest rates to ensure that even the poorest Palestinians have access to affordable credit.


About Palestine

  • $4,900
    Average annual income
  • 54
    View loans »
    Palestine Loans Fundraising
  • $11,628,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD