A loan of $3,600 helped a member to replace her sewing machine and purchase some small furniture items and a small generator.


Chia's Group's story

Chia is a young Iraqi mother. She is married and together with her husband, raising two small children. As the family grew, Chia started to use her skills to help support the family. With limited career options due to cultural restrictions and domestic constraints, Chia 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.

She has three years' experience with the little business, successfully meeting the demands of both the household chores and the sewing/tailoring activity.

With a previous Relief International - Microfinance Iraq loan, Chia purchased an overlock machine. And after finishing repayments on the first loan, she has now decided to use a new loan to make further investments and improvements. She would now like to replace her regular sewing machine and purchase some small furniture items for her work area as well as a small generator which will allow her to work during the hours the city's power is out.

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 3 to 5 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: Chia, Chro , Khadija
*not pictured



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Loan details