Al-Aman’s partnership with Kiva was closed in August 2009 without prejudice after one year of inactivity. Al-Aman has determined that it no longer needs Kiva funding as it recently received a considerable grant that will cover loans to its entrepreneurs for the next three years.

Iraqi Al-Aman center / Kirkuk is a non-governmental organization (NGOs) registered at the ministry of civil society in the office of assisting non-governmental organizations. Its identification number is ID70240, and it as a non-profit organization working independently of the government.

The Iraqi Al-Aman center is funded by the United States Agency of International Development (USAID) through the IZDIHAR Project. By providing funding for microbusinesses, women and jobless people, the Iraqi Al-Amam center serves the people of Kirkuk to help promote social and economic development for the people of Iraq.

The Center was started in July of 2006, and is managed by a board of directors made up of well-known personnel with social and economic influence. The organization's board is a balanced mixture of experts and pioneers, and together they are working hard to lead the organization in the right direction.

The Center can be contacted via email at

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva May 7, 2007 Oct 12, 2005
Total Loans $190,200 $677,210,200
Amount of raised Inactive loans $0 $495,975
Number of raised Inactive loans 0 289
Amount of Paying Back Loans $0 $128,974,300
Number of Paying Back Loans 0 142,654
Amount of Ended Loans $190,200 $547,739,925
Number of Ended Loans 164 684,016
Delinquency Rate 0.00% 7.14%
Amount in Arrears $0 $5,984,892
Outstanding Portfolio $0 $83,852,659
Number of Loans Delinquent 0 22,499
Default Rate 0.00% 1.11%
Amount of Ended Loans Defaulted $0 $6,104,406
Amount of Ended Loans $190,200 $547,739,925
Number of Ended Loans Defaulted 0 18,783
Currency Exchange Loss Rate 0.00% 0.20%
Amount of Currency Exchange Loss $0 $1,320,899
Refund Rate 0.00% 0.70%
Amount of Refunded Loans $0 $4,723,750
Number of Refunded Loans 0 5,242

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 17.68% 74.24%
Average Loan Size $1,160 $417
Average Individual Loan Size $1,160 $656
Average Group Loan Size $0 $1,839
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $3,600 $3,383
Average Loan Size / GDP per capita (PPP) 32.22% 12.32%
Average Time to Fund a Loan 0.34 days 6.09 days
Average Dollars Raised Per Day Per Loan $3,387.65 $68.46
  Average Loan Term 11.88 months 10.65 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1 334,396
  Journaling Rate 0.61% 41.65%
  Average Number of Comments Per Journal 0.00 0.07
  Average Number of Recommendations Per Journal 0.00 1.66

Borrowing Cost Comparison (based on 2009 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower N/A 27.00% PY 32.07% PY
  Profitability (return on assets) N/A 16.7% -1.94%
  Average Loan Size (% of per capita income) N/A 26.00% 19.61%

Country Fast Facts

Field Partner Staff

Hussien I.Ibrahim