A loan of $6,000 helped a member to improve her work with a new sewing machine and a small generator.


Adoyia's Group's story

Adoyia is a 44 year old woman from Iraq. She is married and the mother of four children. With limited career options due to cultural restrictions and domestic constraints, Adoyia is one of the many Iraqi women who work from home using her sewing skills to generate some income and participate in meeting the financial needs of her family.

She has 10 years experience with her small, home-based sewing business, and as an experienced seamstress she is constantly looking for opportunities to improve the services she can provide to her customers and generate more income. Her work is interrupted frequently by power cuts in her area. To overcome this challenge and be able to manage her work and time better, she would like to buy a small generator and also a new sewing machine. To be able to afford these purchases she is participating in a group loan from Relief International Microfinance Iraq (RI-Iraq).

RI-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 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, 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 supporting Iraqi borrowers.

In this group: Adoyia , Ramla , Nidhal



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