A loan of $6,000 helped a member to buy a generator and an A/C.


Sara's Group's story

Sara is 25-years-old and is a young Iraqi woman from the south of the country. She is unmarried and lives with her family. With limited career options due to cultural restrictions and domestic constraints, Sara is one of the many Iraqi woman who is working from home. She uses her sewing skills to generate some income and participate in meeting the financial needs of her family.

Sara has five years experience and has been working hard to attract clients, improve her skills and increase her productivity. One obstacle she has is the lack of reliable power supply in her area and that having access to electricity for only a few hours a day leaves little predictability about the exact hours when she will be able to work. To overcome this problem she is taking a loan from Kiva partner Relief International Microfinance Iraq in order to buy a generator and an A/C for her work area.

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 these borrowers have 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: Sara, Mjad , Hussin



Loan details


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Loan details