A loan of $2,100 helped a member to buy some good quality fabric and raw materials.


Manira's Group's story

Manira is 46 years old, a married Iraqi woman and a mother of six children. With limited career options due to cultural restrictions and domestic constraints, Manira is one of the many Iraqi woman who is working from home, using her sewing skills to generate some income and participate in meeting the financial needs of her family.

Manira has four years experience in her business activities. Working from her modest home, she is constantly trying to improve her opportunities. In the past, she qualified for a small loan, which she successfully repaid to Relief International - Microfinance Iraq. At the time, she purchased a sewing machine and a little fabric. She would now like to buy some good quality fabric and raw materials, so she took out another small loan from Relief International - Microfinance Iraq to be able to make the purchase.

Relief International - Microfinance Iraq offers "Group loans" for clients unable to provide a guarantor - thereby unable to apply for a loan as an individual. As a group, the members collectively guarantee the loan. Groups consist of three to five clients and each client is evaluated on his or her repayment capacity. All group members receive the same loan amount as the individual with the lowest repayment capacity in the group.

Based on the political and social challenges of lending in Iraq, personally identifiable information about this borrower has been altered for their protection. RI-Iraq appreciates Kiva lenders' consideration of these challenges and encourages lenders to continue their support for Iraqi borrowers.

In this group: Manira, Paiman, Nian



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