A loan of $4,500 helped a member to purchase a small generator, an A/C unit, some small furniture items for her work area and an iron.


Shna's Group's story

Shna is 36 years old. She is a married Iraqi woman and a mother of two children. With limited career options due to cultural restrictions and domestic constraints, Shna 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. In the past, Shna qualified for a home improvement loan, which she successfully repaid to Relief International - Microfinance Iraq. She is now taking advantage of a business loan to improve her sewing/tailoring activities. She has eight years experience in meeting the needs of her customers, making dresses and other fabric household items. With the loan, she plans to improve both her work conditions and the services she is offering. She would like to purchase a small generator to be able to work at the frequent times when the power is out. She would also like to purchase an A/C unit, some small furniture items for her work area and an iron. 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: Shna , Zhian , Samira
*not pictured



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Loan details