A loan of $4,800 helped a member to replace her old machine with a newer model and to buy an over machine.


Chro's Group's story

Chro is a 44-year-old Iraqi woman. She is married and a mother of three children. With limited career options due to cultural restrictions and domestic constraints, Chro 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. Chro has 23 years experience with small, home-based sewing and tailoring, and she gained significant experience during these years about her customers' needs. Until now, she has used her old sewing machine to create dresses and other small fabric household items and felt limited with the choices and creative works she was able to offer to her customers. She would now like to replace her old machine with a newer model and would also like to buy an over machine (which enables more sophisticated work). These machines will help her offer more choices and better service. She also plans to buy a cabinet to keep her materials in. 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 these borrowers 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 , Tarza , Shadan
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Loan details