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Zaada has faced many challenges in life but always thinks positively and looks forward. She began providing manicures and pedicures as a hobby for friends and family. After a while, her husband wanted to end the extra expenses. He hated her having to leave the home while she was doing treatments. Friends encouraged her to keep doing her cosmetics not as a hobby but as a business. Zaada was certified as a cosmetologist and then opened a small home-based business. As her client numbers have grown, she is expanding and is renovating an area outside her home and expanding treatments.

Zaada is requesting a loan to help pay for renovations such as expanding her room, lowering the ceiling, putting in an air conditioner, and painting. She will also purchase new treatment machines for skin cleansing and massages and purchase cosmetic supplies. Zaada’s business is growing. She dreams of one day opening a salon with bridal dresses, hairstyling services, and cosmetics.

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
  • 4
    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 $5,800 helped Zaada to pay for renovations to expand her salon and purchase treatment machines, materials, and cosmetics.
32% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 3, 2014
Jun 22, 2014
Currency Exchange Loss: