Check out some available loans that are similar to this one!
Om-Mahmoud Group
In this Group: Sabah, Hada, Entsar, Eftkar
This group is called Om-Mahmoud Group and it consists of four women. They are all female and live in Aden, Yemen. This group works in different businesses in order to improve their living conditions. They took out a loan of YER 160,000.

Sabah is the leader of group and she lives in Aden, Yemen. She is 49 years old. She has been selling different things as a business for three years. She is married and has two children.

She started her clothing business by saving money and then she went ahead to operate her business well. She puts forth a lot of effort to increase her profit, so that she can apply it to her family`s needs.

Sabah applied for a loan of YER 50,000 from Al-Amal Microfinance Bank (AMB) to buy goods for her business, such as clothes, ladies' fabrics, and incense. She hopes to expand her business and to enroll her children in private schools.

Additional Information

About Al-Amal Microfinance Bank

Al-Amal reaches out to low-income micro-entrepreneurs and small business owners in Yemen with a suite of credit, savings, and insurance products tailored for Muslim borrowers. Before lending through Al-Amal, please consider the following:

1) Due to ongoing security concerns, full due-diligence of Al-Amal was conducted remotely rather than on-site. This makes Al-Amal atypical among Kiva's Field Partners, as Kiva staff have not conducted an on-site assessment. Al-Amal's assessment included in-person meetings with the top management in other, more secure locations in the Middle East.

2) Because Yemen is a new and unstable environment, there is a possibility that future loan repayments could be held indefinitely in the country for regulatory reasons, even if individual borrowers pay back their loans. As a lender to borrowers in Yemen, you accept this additional risk.

Additionally, all of Al-Amal's products are Sharia compliant and customized for its Muslim clients. Most of the loans are structured as Murabaha interest free loans. Al-Amal purchases goods for its borrowers and charges them a markup or fee. Al-Amal is also experimenting with Ijarah loans (an Islamic leasing product). For more information on Islamic microfinance, please click here.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About Yemen

  • $3,900
    Average annual income
  • 0
    View loans »
    Yemen Loans Fundraising
  • $3,225,150
    Funds lent in using Kiva
  • 214.9
    Yemen Rials (YER) = $1 USD

Success!! The loan was 100% repaid

A portion of Om-Mahmoud Group's $750 loan helped a member to buy goods for her business, such as clothes, ladies' fabrics, and incense.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 10, 2013
Sep 30, 2013
Currency Exchange Loss:
Aug 17, 2014