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Ciise Group
In this Group: Saado , Ibrahim, Rooda , Saleban, Ismacail, Daahir , Samsam , Maryan, Faadumo, Maymuna
Saado is a 55-year-old businesswoman. She has 10 children whom their father died two years ago. She has a tea shop in Gabiley town which she started in 1994 when civil war broke out in Somaliland. Surprisingly, when she was starting the tea shop she had no money to start her small business. To start the tea shop, she borrowed several kilograms of sugar from her relative. Fortunately, her small business grows day after day, until she used the money to pay school fees and to feed her family. Now, her business is a medium enterprise and she requested from Kaaba Microfinance a loan for $700 to expand. She sells Somali tea and local foods.

Saado is the one who sitting in front of the group photo and raising her hand. She is the leader of a group known as Ciise. The group consists of 10 members which 6 of them are female while the remaining 4 are male. Each and every client has an existing business and also everyone will get his/her loan separately.

Additional Information

More information about this loan

Kaaba is the only nonprofit microfinance institution currently operating in Somaliland, a semi-autonomous region located within Somalia that is not recognized by other countries. By funding this loan, you are helping this borrower to start or expand his or her business in a region with very limited access to credit.

Kaaba has developed loan products in alignment with the cultural context in the primarily Muslim area it serves. To avoid charging interest -- which is opposed to Islamic law -- the organization purchases assets for its borrowers and sells them at a slight markup ranging between 2% and 12%, proportional to the term of the loan.

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 Somalia

  • $600
    Average annual income
  • 0
    View loans »
    Somalia Loans Fundraising
  • $238,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Ciise Group's $5,700 loan helped a member to expand her tea shop.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 2, 2014
Aug 9, 2014
Currency Exchange Loss:
Jun 17, 2015