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 $751,620,750
Amount of raised Inactive loans $0 $639,550
Number of raised Inactive loans 0 1,371
Amount of Paying Back Loans $0 $131,711,300
Number of Paying Back Loans 0 153,645
Amount of Ended Loans $190,200 $619,269,900
Number of Ended Loans 164 767,591
Delinquency Rate 0.00% 8.11%
Amount in Arrears $0 $6,902,151
Outstanding Portfolio $0 $85,129,649
Number of Loans Delinquent 0 23,047
Default Rate 0.00% 1.26%
Amount of Ended Loans Defaulted $0 $7,793,859
Amount of Ended Loans $190,200 $619,269,900
Number of Ended Loans Defaulted 0 21,129
Currency Exchange Loss Rate 0.00% 0.33%
Amount of Currency Exchange Loss $0 $2,478,516
Refund Rate 0.00% 0.66%
Amount of Refunded Loans $0 $4,973,325
Number of Refunded Loans 0 5,474

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 17.68% 74.49%
Average Loan Size $1,160 $416
Average Individual Loan Size $1,160 $649
Average Group Loan Size $0 $1,847
Average number of borrowers per group 0 7.9
Average GDP per capita (PPP) in local country $7,100 $5,949
Average Loan Size / GDP per capita (PPP) 16.33% 6.99%
Average Time to Fund a Loan 0.34 days 6.63 days
Average Dollars Raised Per Day Per Loan $3,387.65 $62.65
  Average Loan Term 11.88 months 10.84 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1 370,802
  Journaling Rate 0.61% 41.20%
  Average Number of Comments Per Journal 0.00 0.06
  Average Number of Recommendations Per Journal 0.00 1.49

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 31.04% PY
  Profitability (return on assets) N/A 16.7% -0.86%
  Average Loan Size (% of per capita income) N/A 26.00% 19.24%

Country Fast Facts

Field Partner Staff

Hussien I.Ibrahim