A loan of $6,000 helped a member to be able to purchase more goods and increase his capital.


Baha's Group's story

Baha is a 26 years old Iraqi man living in an area still considered a conflict zone. He is single and in line with traditions and customs; he is living with his family. He is the owner of a small shop selling mobile phones and phone accessories – a very popular and in demand type of store for a country where the lack of land lines had created a significant market for mobile phones and every type of good related to using mobile phones ranging from replacement batteries to cute decorations.

Baha has 3 years of experience with the store, and understands his market and customers demands very well. To increase his capital and be able to purchase more goods in demand, he is taking a group 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: Baha , Zaid , Muhammed



Loan details


Lenders and lending teams




Loan details