A loan of $4,500 helped a member to update her work area by repainting the walls and buying an overlook sewing machine (serger).


Chro's Group's story

Chro is 29 years old and is married with one child. With limited career options due to cultural restrictions and domestic constraints, Chro is one of many Iraqi woman who work from home, using her sewing skills to generate some income and participate in meeting the financial needs of her family. Chro has 5 years of experience with her little home-based sewing and tailoring business, which she is continuously trying to improve. In the past, Chro took a loan from Relief International - Microfinance Iraq to buy a new sewing machine, an iron and some small furniture items. Having successfully repaid the loan, she is now taking a new loan to make further improvements, this time focusing on her work conditions. She took a loan to update her work area by repainting her walls, and she would also like to buy an overlook sewing machine (serger). 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: Chro , Fatima , Rehan
*not pictured



Loan details


Lenders and lending teams



Loan details