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Mervat is a conservative person so she asked her sister Mona who works with her to take her place in the photo.

Mervat is 38 years old and single. Mervat is one of 12 brothers and sister in the family. A few of them have already gotten married. Mervat started almost 10 years ago a small business at home, taking care of kids during the day while their parents are at work. She bought some toys and beds and turned one of the rooms into a play area and another into a sleep area. She also got help from two of her sisters at that time.

After five years, Mervat was able to build a small kindergarten and separated the business from her home. She offered her sisters a chance to work with her since the business has expanded, so Mona took charge of the managerial issues of the kindergarten and her other sister works as a nanny there.

Each year, Mervat does some enhancement to the decoration or even buys new furniture. Now she has applied for a loan in order to start making a new section for a nursery and a section for the older kids to be able to prepare them for the school environment.

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
  • 20
    View loans »
    Jordan Loans Fundraising
  • $8,708,400
    Funds lent in using Kiva
  • 0.7
    Jordan Dinars (JOD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Mervat to start making a new section fora nursery in her kindergarten.
100% repaid
Repayment Term
23 months (Additional Information)
Repayment Schedule
Feb 16, 2012
Apr 1, 2012
Currency Exchange Loss:
Nov 17, 2013