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Chnar's Group
In this Group: Chya, Chnar, Shanaz
Chnar is a member of this group from Iraq. Chnar is 36 years old, married and has two children. She is one of the many Iraqi women who are working from home, using her sewing skills to generate additional income and participate in meeting the financial needs of her family.

She has seven years of experience with her home-based sewing business activity. To improve the quality of the services to her customers as well as improve her work conditions she would like to buy new sewing machine, table, iron and fabric.

Chnar has a very good reputation in her neighborhood, with her special talent and the customer service she provides. She is aiming to develop her business and increase her profits so that she can sell her products wholesale in the market and continue assisting her husband with additional income and providing a better life for her children.

The story of Chnar and her sewing business is just one of the many examples of Izdiharona for Economic Development clients who have been able to improve their businesses with a small business loan product specifically designed to meet the needs of a small business where a relatively small amount of capital can provide significant business improvement.

Additional Information

More information about this loan

This loan is designed for home-based businesses and income generation projects run by women in Iraq. Following years of conflict in the country, female-headed households constitute a highly vulnerable segment of the Iraqi population. Iraqi women continue to face widespread instances of gender based violence, including domestic violence, honor killings, and trafficking. Government programs intended to support women often suffer from corruption, outdated systems, and administrative obstacles. By supporting this loan, you are enabling a woman in Iraq to establish or grow her business.

About Izdiharona for Economic Development

Izdiharona for Economic Development (Izdiharona) is a nonprofit organization in Iraq that provides financial assistance to small and medium enterprises in need of capital so they can develop their businesses and train their staff. Founded in 2008, it currently operates ten branch offices throughout Iraq in the provinces of Baghdad, Babil, Basra, Karbala, Messan, Sulaymaniyah and more. Kiva lenders’ funds are used to provide education, startup, green, and youth loans, as well as interest free loans to the ultra poor and loans that support income generating projects for women.

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 Iraq

  • $7,100
    Average annual income
  • 0
    View loans »
    Iraq Loans Fundraising
  • $9,342,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Chnar's Group's $6,000 loan helped a member to buy a new sewing machine, table, iron and fabric.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 22, 2013
Sep 3, 2013
Currency Exchange Loss:
Sep 18, 2014