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Update on Khitam

Khitam was born in in 1971. She is married and has one daughter and two sons; one of them is a security guard. Her husband is a governmental employee.

Khitam has been working in raising goats and selling them for five years. She started her project with raising four goats, then she expanded her project over time.

She is planning to expand her project more until she reaches hundreds of goats. That will raise her productivity and help her earn a better income so she can help her husband support their children.

Khitam wants to buy food for her goats. But she doesn't have enough money for it. For this reason, she applied for this loan.

Previous Loan Details

Khitam is a conservative woman, which is why she asked her husband to take her place in the photo. Using the previous loan has helped her increase her productivity and profits. So far she has around 35 goats; she takes the milk and makes dairy products to sell. Now an Islamic holiday is coming... More from Khitam's previous loan »

Additional Information

About National Microfinance Bank

Jordan is a small country located in the heart of the Middle East’s Levant region. Regional instability has caused Jordan to be excluded from global investments for decades. Additionally, a lack of natural resources—including water and energy—places tremendous strain on the Jordanian economy, over 80% of which consists of small businesses, largely in the service industry. Despite their importance in the economy, many of these businesses are excluded from the banking sector because of their size. Microfinance institutions like National Microfinance Bank offer them an opportunity to enhance and expand their businesses. NMB also offers its services to other underprivileged peoples in Jordan, providing them with loans to pursue educational goals and improve their homes and livelihoods.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Jordan

  • $6,100
    Average annual income
  • 40
    View loans »
    Jordan Loans Fundraising
  • $8,248,500
    Funds lent in using Kiva
  • 0.7
    Jordan Dinars (JOD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,300 helped Khitam to buy food for her goats.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Aug 26, 2013
Sep 20, 2013
Currency Exchange Loss:
Nov 17, 2014