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 $585,893,100
Amount of raised Inactive loans $0 $592,425
Number of raised Inactive loans 0 547
Amount of Paying Back Loans $0 $119,310,950
Number of Paying Back Loans 0 125,987
Amount of Ended Loans $190,200 $465,989,725
Number of Ended Loans 164 592,709
Delinquency Rate 0.00% 3.42%
Amount in Arrears $0 $2,669,838
Outstanding Portfolio $0 $78,049,269
Number of loanDelinquent 0 10,462
Default Rate 0.00% 1.15%
Amount of Ended Loans Defaulted $0 $5,337,667
Amount of Ended Loans $190,200 $465,989,725
Number of Ended Loans Defaulted 0 16,806
Currency Exchange Loss Rate 0.00% 0.08%
Amount of Currency Exchange Loss $0 $480,684
Refund Rate 0.00% 0.77%
Amount of Refunded Loans $0 $4,494,250
Number of Refunded Loans 0 5,038

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 17.68% 74.17%
Average Loan Size $1,160 $418
Average Individual Loan Size $1,160 $656
Average Group Loan Size $0 $1,827
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $3,600 $3,432
Average Loan Size / GDP per capita (PPP) 32.22% 12.19%
Average Time to Fund a Loan 0.34 days 5.58 days
Average Dollars Raised Per Day Per Loan $3,387.65 $75.06
  Average Loan Term 11.88 months 10.3 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1 292,358
  Journaling Rate 0.61% 42.36%
  Average Number of Comments Per Journal 0.00 0.08
  Average Number of Recommendations Per Journal 0.00 1.90

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 33.64% PY
  Profitability (return on assets) N/A 16.7% -1.40%
  Average Loan Size (% of per capita income) N/A 26.00% 41.35%

Country Fast Facts

Field Partner Staff

Hussien I.Ibrahim