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Ansam is a conservative woman who prefers not to have her photo published online, so her husband Kamal appears in her Kiva profile photo. Ansam is 30 years old and the mother of three daughters. For the past two years, Ansam's husband has earned a living by running a grocery store. It has been profitable, but the only source of income for the family and it does not bring in enough money to cover the family's costs. Ansam is requesting a loan from FATEN to help her husband buy more groceries to sell, including rice, sugar and milk. This will increase sales and the family's income.

About Shariah-compliant lending:
FATEN offers loan products that are designed to serve borrowers all over Palestine, including some religiously conservative areas. A key tenet of Islam is its prohibition of interest in the lending or accepting of money. This prohibition is based on the belief that money should be seen only as a medium of exchange and that it has no value in itself. FATEN has adapted the terms of this loan to fit into this cultural context by attaching a 0% interest rate to the loan. In order to cover its costs, FATEN does charge a servicing fee. The loan amount you see here includes both the loan principal loan and the servicing fees. As with all Kiva loans, you should expect to have your funds returned to you in accordance with the repayment schedule attached to this loan. For more information on lending in the Muslim world, please visit Kiva's Muslim World Lending helptext:

Additional Information

More information about this loan

This loan is governed by Islamic lending principles. Because Islamic Law prohibits the charging of interest, FATEN is charging 0% interest on this loan. This is a Murabaha loan, which means that FATEN purchases goods for borrowers and charges a fee or mark-up. Click here to learn more about this loan type and Kiva's approach to lending in the Islamic world.  


Palestinians face unique challenges due to the economic and political environment in the West Bank and Gaza. Click here to learn more about how Kiva and FATEN are working to help Palestinian borrowers overcome these obstacles and how your support can make a difference.

About Palestine

  • $4,900
    Average annual income
  • 79
    View loans »
    Palestine Loans Fundraising
  • $13,108,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Ansam to help her husband to buy more groceries to sell in his store.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jul 18, 2012
Aug 20, 2012
Currency Exchange Loss:
Mar 17, 2014