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Originally, Rinat tried to take this loan in June, but due to banking difficulties, she was forced to delay her business development. After working with business consultants, Rinat was able to make the needed steps and take on the responsibility of this loan for the benefit of her business activity.

Rinat is a 26-year-old mother of two from Beit Shemesh. She is actively participating in a special business incubator program, gaining business-management skills and one-on-one training and coaching. The incubator is subsidized and making it possible for economically challenged women to gain a hand up. Rinat is developing her hair and cosmetics salon. Since she does not have enough room in her home to allocate a work area, she is building a special area in her backyard. Her husband and family are making the actual renovations and building, so Rinat only needs to invest in materials.

Rinat needed this loan to purchase building materials, a hair-washing station, chairs, a treatment table and cosmetic supplies.

Rinat is committed to making her business succeed, with all her personal and historical challenges. She wants to see her salon grow gradually and one day expand to serve clients throughout her city.

Additional Information

More information about this loan

KIEDF targets some of the most marginalized groups and areas in Israel with its microfinance services, specifically working with Bedouins, Haredi women, and Israeli-Ethiopians. By contributing to this loan, you are supporting a borrower who otherwise would have very limited access to financial services. 

About KIEDF:

Koret Israel Economic Development Funds (KIEDF) launched its direct lending program, SAWA, in 2006 to help low-income and unemployed populations within Israel create independent income-generating activities. SAWA currently serves Bedouin women in the Negev, Arab Israeli women in northern Israel and Jewish Israeli women. SAWA loans support a wide variety of small business types including consumer goods sales, grocery stores, animal raising, hairdressing, sewing, and day care. SAWA continues to grow and serve new populations while maintaining a loss rate of less than 3%.


About Israel

  • $28,930
    Average annual income
  • 6
    View loans »
    Israel Loans Fundraising
  • $1,268,800
    Funds lent in using Kiva
  • 3.5
    Israel New Shekels (ILS) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $5,675 helped Rinat to purchase building materials, a hair-washing station, chairs, a treatment table and cosmetic supplies.
67% repaid
Repayment Term
37 months (Additional Information)
Repayment Schedule
Sep 9, 2013
Sep 24, 2013
Currency Exchange Loss: