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Sabrin is a 24-year-old single woman from Jenin and the owner of a clothes shop.

A year ago she opened her shop from her personal savings, and decided to take a loan to get more clothes and to expand her business.

Sabrin's future goal is to finish her B.A. degree and to expand her shop.

Competition in the clothing market is the biggest challenge for Sabrin, as there are many clothes store in the city.

Additional Information

More information about this loan

This loan is governed by Islamic lending principles. Because Islamic Law prohibits the charging of interest, ACAD is charging 0% interest on this loan. This is a Murabaha loan, which means that ACAD 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.  

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
  • 69
    View loans »
    Palestine Loans Fundraising
  • $12,012,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $2,000 helped Sabrin to buy clothes for her clothes shop.
80% repaid
Repayment Term
33 months (Additional Information)
Repayment Schedule
Jul 22, 2013
Jul 30, 2013
Currency Exchange Loss: