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Na'eema is a 49-year-old woman (Na'eema is a conservative woman, so her son, Ashraf, is in the photograph). She is married and has four sons and one daughter. Her husband is a worker with a decent salary, and two of her sons are municipality employees with decent salaries.

Na'eema has a store for selling agriculture tools and supplies. She wants to purchase more of these tools and supplies to sell, to increase her income and share with her family to cover their living expenses. Na'eema hasn't enough money to pay, so she needs to take out a loan from FATEN. When Na'eema gets the loan, to be repaid on a monthly basis, she will be able to pay for a large number of farm tools and supplies. This will increase her income and offer better living conditions for her family.

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 Muslim World Lending helptext:

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 Palestine

  • $4,900
    Average annual income
  • 143
    View loans »
    Palestine Loans Fundraising
  • $14,274,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,450 helped Na'eema to pay for purchasing agriculture tools and supplies.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Sep 21, 2011
Oct 3, 2011
Currency Exchange Loss:
Apr 18, 2013