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 $874,960,175
Amount of raised Inactive loans $0 $710,400
Number of raised Inactive loans 0 536
Amount of Paying Back Loans $0 $136,648,425
Number of Paying Back Loans 0 167,060
Amount of Ended Loans $190,200 $737,601,350
Number of Ended Loans 164 916,439
Delinquency Rate 0.00% 8.46%
Amount in Arrears $0 $7,476,165
Outstanding Portfolio $0 $88,321,485
Number of Loans Delinquent 0 22,435
Default Rate 0.00% 1.32%
Amount of Ended Loans Defaulted $0 $9,707,641
Number of Ended Loans Defaulted 0 27,160
Currency Exchange Loss Rate 0.00% 0.44%
Amount of Currency Exchange Loss $0 $3,823,595
Refund Rate 0.00% 0.65%
Amount of Refunded Loans $0 $5,700,625
Number of Refunded Loans 0 5,834

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 17.68% 74.90%
Average Loan Size $1,160 $407
Average Individual Loan Size $1,160 $640
Average Group Loan Size $0 $1,805
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $7,100 $5,934
Average Loan Size / GDP per capita (PPP) 16.33% 6.86%
Average Time to Fund a Loan 0.34 days 6.92 days
Average Dollars Raised Per Day Per Loan $3,387.65 $58.85
  Average Loan Term 11.88 months 11.06 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1 448,256
  Journaling Rate 0.61% 41.61%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.27

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 26.93% PY
  Profitability (return on assets) N/A 16.7% -0.98%
  Average Loan Size (% of per capita income) N/A 26.00% 18.82%

Country Fast Facts

Field Partner Staff

Hussien I.Ibrahim