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Ramzi is a 32-year-old, married man. He lives in a small house in Rafah city with his wife and two young daughters.

Ramzi works as an employee in the public sector with a very low wage, so he also works in a restaurant which sells traditional meals.

Ramzi took a USD Murabah loan from Palestine for Credit & Development (FATEN). This loan will help him to buy some necessary home appliances, especially a refrigerator and an oven. By applying for this loan, he will be able to improve the living conditions for his family.

Ramzi would like to take more loans in the future, to buy all the necessary home appliances for his house. In the photo, Ramzi appears in the shop where he would like to buy the home appliances.

Additional Information

More information about this loan

This loan is governed by Islamic lending principles. Because Islamic Law prohibits the charging of interest, FATEN is charging 0% interest on this loan. This is a Murabaha loan, which means that FATEN purchases goods for borrowers and charges a fee or mark-up. Click here to learn more about this loan type and Kiva's approach to lending in the Islamic world.  


Palestinians face unique challenges due to the economic and political environment in the West Bank and Gaza. Click here to learn more about how Kiva and FATEN are working to help Palestinian borrowers overcome these obstacles and how your support can make a difference.

About Palestine

  • $4,900
    Average annual income
  • 85
    View loans »
    Palestine Loans Fundraising
  • $14,477,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,550 helped Ramzi to buy some necessary home appliances, especially a refrigerator and an oven.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jun 13, 2013
Jul 17, 2013
Currency Exchange Loss:
Aug 17, 2015