A loan of $6,000 helped a member to purchase a motorcycle wagon to transport his goods.


Kareem's Group's story

Kareem is a 56-year-old Iraqi man, living in the south of the country. He is married and is a father of 3 children. To support his family he earns his living by selling fruits and vegetables.

He has 5 years of experience with this business activity. He would like to improve his business and increase his income by lowering his expenses. Currently he is paying high fees for the transportation of his goods, and he would like to eliminate these expenses by purchasing a motorcycle wagon - a 3-wheeled motorcycle with a large flatbed used for transporting goods. To be able to pay for the cost he is taking a loan from Relief International Microfinance Iraq.

Relief International - Microfinance Iraq offers "Group loans" for clients unable to provide a guarantor - 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 this borrower 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: Kareem , Faris , Muhammaed



Loan details


Lenders and lending teams




Loan details