A loan of $6,000 helped a member to purchase more raw materials to work with.


Alaa's Group's story

Alaa is a married, hard working Iraqi man, living in the south of the country. He is 29-years-old and with his wife they are raising three children. Alaa has a tannery business. Tanning is the process of treating skins of animals in order to produce leather which is more durable and less susceptible to decomposition. Traditionally, tanning used tannin, an acidic chemical compound from which the tanning process draws its name. Alaa has 10 years experience in the business which he would like to expand and develop by increasing his capital and purchasing more raw materials to work with helping him to increase his sales in final products. To enable the growth, he is taking a loan from Kiva partner 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.

In this group: Alaa , Ahmed , Kadim
*not pictured



Loan details


Lenders and lending teams




Loan details