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Shamma is a 54-year-old housewife and a mother of six; five of them are married and one is still single.

Since Shamma is an illiterate woman she did not have a lot of options in how to support the family, so she helped her husband 3 years ago to open a small grocery store that sells most of the goods in demand in the area such as canned vegetables and powdered milk, etc.

Now Shamma is applying for a loan for more than one reason: she wants to provide the store with more goods as a preparation to welcome the holy month of Ramadan; to add a refrigerator for cooling goods; and to redecorate the store entrance.

Since Shamma is a conservative person, her son appears in the photo instead of her.

Additional Information

About National Microfinance Bank

Jordan is a small country located in the heart of the Middle East’s Levant region. Regional instability has caused Jordan to be excluded from global investments for decades. Additionally, a lack of natural resources—including water and energy—places tremendous strain on the Jordanian economy, over 80% of which consists of small businesses, largely in the service industry. Despite their importance in the economy, many of these businesses are excluded from the banking sector because of their size. Microfinance institutions like National Microfinance Bank offer them an opportunity to enhance and expand their businesses. NMB also offers its services to other underprivileged peoples in Jordan, providing them with loans to pursue educational goals and improve their homes and livelihoods.

About Jordan

  • $6,100
    Average annual income
  • 19
    View loans »
    Jordan Loans Fundraising
  • $8,793,150
    Funds lent in using Kiva
  • 0.7
    Jordan Dinars (JOD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,400 helped Shamma to buy a refrigerator and goods for the grocery store and to redecorate the store entrance.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Jun 21, 2011
Jun 24, 2011
Currency Exchange Loss:
May 17, 2013