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Alrhma Group
In this Group: Haind, Nahla, Najiba, Molk
This group, called ALRHMA Group, consists of four members who are all female: Haind, Nahla, Najiba and Molk who is the group leader. They are ladies who they have a lot of experience in this field. All their projects are home-based; and they have many clients mostly women. They are from Taiz, Yemen. Their business are sewing. All members took a loan of 180,000 YER.

Molk, the group leader, is a 40-year-old woman who is married (she is the woman who is sitting down in the centre) and is a mother of four children. She lives in Sana'a, Yemen and she has been practicing her profession of dressmaking for a long time. Her main business is sewing and due to her good reputation, she learned in sewing lab until get more experience then she could buy sewing machine in order to open her business.
Molk took a loan of 50,000 YER from AMB in order to purchase textile fabrics, dresses and other basic materials needed for her sewing shop.

In the future, she plans to open a big new tailoring shop in her area then working to make wedding dresses and School uniforms.

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
  • $3,229,175
    Funds lent in using Kiva
  • 215.7
    Yemen Rials (YER) = $1 USD

Success!! The loan was 100% repaid

A portion of Alrhma Group's $850 loan helped a member to purchase textile fabrics, dresses and other basic materials for her business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 9, 2012
Apr 24, 2012
Currency Exchange Loss:
Mar 15, 2013