A loan of $5,400 helped a member to renew her work area and purchase an overlock machine.


Shno's Group's story

Shno is a 37-year-old Iraqi woman, married and a mother of four children. With limited career options due to cultural restrictions and domestic constraints, Shno 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 two years' experience with the little sewing and tailoring business and she would like to improve both her work conditions and the services she can offer to her customers. She would like to renew her work area and buy an overlock machine. To be able to do the work and make the purchase, she took a loan from Relief International - Microfinance Iraq.

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: Shno, Shad , Esmet
*not pictured



Loan details


Lenders and lending teams



Loan details