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Hala is a 30-year-old woman who is married with two sons and two daughters. She lives in the Jabalia refugee camp in Gaza, located in Palestine.

Hala wants to purchase new home furniture instead of the old ones to improve her family life and live in better conditions. Since she hasn't enough money, she needs to take out a loan of $1,215.05 from FATEN.

When Hala gets a FATEN loan, which is repaid on a monthly basis, she will be able to purchase new home furniture, which will change her family life positively and let the family live in better conditions.

Hala is a conservative woman, so her husband is photographed instead.

About this loan product:

FATEN offers loan products that are designed to serve borrowers all over Palestine, including some religiously conservative areas. A key tenet of Islam is the prohibition of interest in the lending or accepting of money. This prohibition is based on the belief that money should be seen only as a medium of exchange and that it has no value in itself.

FATEN has adapted the terms of this loan to fit the cultural context by attaching a 0% interest rate to the loan. In order to cover its costs, FATEN does charge a servicing fee. The amount you see fundraising includes both the principal loan and the loan servicing fees. As with all Kiva loans, you should expect to have your funds returned to you in accordance with the repayment schedule attached to this loan.

For more information on lending in the Muslim world, please visit Kiva's article on Lending in the Muslim World.

Additional Information


Palestinians face unique challenges due to the economic and political environment in the West Bank and Gaza. Click here to learn more about how Kiva and FATEN are working to help Palestinian borrowers overcome these obstacles and how your support can make a difference.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Palestine

  • $4,900
    Average annual income
  • 63
    View loans »
    Palestine Loans Fundraising
  • $13,090,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Hala to purchase home furniture to improve her family's living conditions.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Aug 14, 2011
Sep 15, 2011
Currency Exchange Loss:
Sep 20, 2013