A loan of $6,000 helped a member to purchase more young animals [cattle] to raise for sale.


Anonymous Group's story

The group members taking out this loan requested to remain anonymous on the Kiva website.

One of the group members is a 63-year-old Iraqi woman living in the south part of the country – an area still considered a conflict zone. She is married and the mother of four children. She and her family have 30 years' experience working hard to raise cows to sell for their meat. The more young animals she can buy at the same time and raise simultaneously, the more income she can generate, as there is a high demand for the cows for their meat. To be able to purchase more young animals, she is taking out a group loan from Relief International Microfinance Iraq.

Relief International Microfinance Iraq (RI-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.

Based on the political and social challenges of lending in Iraq, personally identifiable information about these borrowers 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: Anonymous, Anonymous, Anonymous



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Loan details