A loan of $3,600 helped a member to pay for the renovation work on her work area.

Nermin's Group's story

Nermin is a 41-year-old Iraqi woman. She is married and has two children. With limited career options due to cultural restrictions and domestic constraints, Nermin 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.

She has 7 years experience with the home-based sewing and tailoring business activity. She would like to improve her work conditions and renew her work area to have a better work experience as she creates custom-order dresses and small fabric household items. To be able to pay for the renovation work, 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 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: Nermin , Sakar , Nwroz

Loan details

Lenders and lending teams

Loan details