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Efrat is a 40-year-old mother of six from Jerusalem. She has significant experience in alternative medicine treatments and acupuncture. Efrat works for a major Israeli health provider part time providing alternative medical treatments. She works from her home and has begun with a private clinic in Jerusalem. She rents a treatment room, and pays on a by-the-use basis. When she schedules treatments, she reserves the room and pays a rental fee. The clinic is a women’s healthcare center and provides a warm, welcoming and professional environment. With the fact that she only pays for the rental on a per-use basis, Efrat is keeping her overhead low while expanding her client base.
Efrat needed this loan to pay for equipment, advertising and publicity.
Efrat wants to grow her private clinic and see her business thrive on its own, one day expanding and training other caregivers.

Additional Information

About KIEDF:

Koret Israel Economic Development Funds (KIEDF) launched its direct lending program, SAWA, in 2006 to help low-income and unemployed populations within Israel create independent income-generating activities. SAWA currently serves Bedouin women in the Negev, Arab Israeli women in northern Israel and Jewish Israeli women. SAWA loans support a wide variety of small business types including consumer goods sales, grocery stores, animal raising, hairdressing, sewing, and day care. SAWA continues to grow and serve new populations while maintaining a loss rate of less than 3%.

About Israel

  • $36,200
    Average annual income
  • 0
    View loans »
    Israel Loans Fundraising
  • $1,405,300
    Funds lent in using Kiva
  • 3.7
    Israel New Shekels (ILS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,725 helped Efrat to pay for equipment, advertising and publicity for a women's healthcare clinic.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 12, 2013
Mar 10, 2013
Currency Exchange Loss:
Jul 17, 2015