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Al-Jwahr Group
In this Group: Gdria, Ameena, Johra, Fawziah, Afaf
This group is called Al-Jwahr. It consists of five ladies named Gdria, Ameena, Johra, Fawziah and Afaf. They live in Hadramout, Yemen.

Johra, who is 49 years old, lives with her family in Hadramout, Yemen. She sells vegetables, including tomatoes, peppers and onions, in addition to others. She has been in this business for one year and has a lot of experience in sales. People prefer her because she always has what they need, offering a quality product and affordable prices in addition to good service.

Johra is an entrepreneurial woman with a great desire to get ahead. She is always looking for new opportunities because she wants to be successful. For some time she has wanted to expand her business by investing in inputs, but she did not have enough capital. For that reason, she is requesting a loan of 50,000 YER from AMB to buy vegetables, including tomatoes, peppers and onions, and fruits, including apples and bananas. She has good references and is very responsible. She is also confident that her family will have a better quality of life.

Additional Information

More information about this loan

This loan is helping support a borrower who is 30 or under. Because many young people lack business experience or established credit histories, it can be even more difficult for them to access financial services. By funding this youth loan, you are expanding opportunity for a young person with limited resources. 

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
  • 214.0
    Yemen Rials (YER) = $1 USD

Success!! The loan was 100% repaid

A portion of Al-Jwahr Group's $1,075 loan helped a member to buy fruits and vegetables for her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 14, 2012
Jul 20, 2012
Currency Exchange Loss:
Aug 22, 2013