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Fawriah Group
In this Group: Fawziah, Flstin, Nama, Fatima
This group is called FAWRIAH. It is made up of four women – Fawziah, Flstin, Nama and Fatima – who are neighbors from Aden, Yemen. They are hardworking women. They are taking a loan of 190,000 YER.
Fawziah is the group leader (she is the second woman from the right, with the blue handbag). She is 52 years old and married. She is a very efficient woman because, she says, aside from caring for her family, she likes to work and thus help her family. She has four adult children who are all studying. She hopes that all her children will be able to conclude their studies.
Fawziah's business is selling clothes, which has been her sole source of income for over five years. She started her business selling articles of clothing in the market in her area with limited capital. She says that it is going very well, that her loan has helped her and that she is very satisfied with the support provided.
At the present time, her business doesn't make more profit due to the difficult situation in Yemen. So she has applied for a loan of 50,000 YER from Kiva partner AMB to acquire articles of clothing such as dresses, shirts, pants, skirts, etc. to sell to customers, thus giving her the opportunity to improve the income from her business. In the future, Fawziah would like to buy a house with stores in order to expand her business activity.

Additional Information

About Al-Amal Microfinance Bank

Al-Amal reaches out to low-income micro-entrepreneurs and small business owners in Yemen with a suite of credit, savings, and insurance products tailored for Muslim borrowers. Before lending through Al-Amal, please consider the following:

1) Due to ongoing security concerns, full due-diligence of Al-Amal was conducted remotely rather than on-site. This makes Al-Amal atypical among Kiva's Field Partners, as Kiva staff have not conducted an on-site assessment. Al-Amal's assessment included in-person meetings with the top management in other, more secure locations in the Middle East.

2) Because Yemen is a new and unstable environment, there is a possibility that future loan repayments could be held indefinitely in the country for regulatory reasons, even if individual borrowers pay back their loans. As a lender to borrowers in Yemen, you accept this additional risk.

Additionally, all of Al-Amal's products are Sharia compliant and customized for its Muslim clients. Most of the loans are structured as Murabaha interest free loans. Al-Amal purchases goods for its borrowers and charges them a markup or fee. Al-Amal is also experimenting with Ijarah loans (an Islamic leasing product). For more information on Islamic microfinance, please click here.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Yemen

  • $3,900
    Average annual income
  • 0
    View loans »
    Yemen Loans Fundraising
  • $3,227,950
    Funds lent in using Kiva
  • 215.7
    Yemen Rials (YER) = $1 USD

Success!! The loan was 100% repaid

A portion of Fawriah Group's $900 loan helped a member to buy articles of clothing such as dresses, shirts, pants, skirts, etc.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 29, 2012
Mar 11, 2012
Currency Exchange Loss:
Apr 17, 2013