A loan of $3,600 helped a member to buy a new sewing machine and a small generator.


Khadija's Group's story

Khadija is a 42-year-old Iraqi woman who is married and a mother of four children. With limited career options due to cultural restrictions and domestic constraints, Khadija is one of the many Iraqi women who is working from home, using her sewing skills to generate some income and participate in meeting the financial needs of her family. Khadija has four years of experience with a small home-based business activity. Until now, she has been using an old sewing machine, mounted on a wooden board, and she sits next to the machine on the floor while working. Her work has also been often interrupted by the power cuts in her district. To make it easier for her to meet the demands and orders of her customers, she would like to buy a new sewing machine and a small generator, which will provide a constant source of electricity for her. To be able to make these purchases, she took a loan from Relief International - Microfinance Iraq. Relief International - Microfinance Iraq offers "Group loans" for clients unable to provide a guarantor and 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: Khadija , Nigar , Hanifa
*not pictured



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Loan details