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Zainab studied and graduated from the Medical Institute with a specialty in microscopic and laboratory analysis. She always wanted to have her private business built on her specialty, and in 1993 she was finally able to establish it. With over 10 years experience she remembers that one of the main challenges for her to start up her business was the fact that the nature of her business obviously requires her to be located close to doctors and clinics. This means being new in an area where such businesses and offices are concentrated in, where rent is expensive, space is difficult to find, and establishing reputation as a newcomer is challenging.

Zainab has not only overcome those initial challenges, by now she has built a reputation through her precise work and genuine work ethic. Respected by peers and family, Zainab speaks highly of her husband who has been supporting her in all her endeavours. With such support Zainab is not only a successfully laboratory owner, but she is also a respected mother of 4 children.

Her children and husband are proud of her achievements, and Zainab has more ambitious goals to attain in the future. She would like to continuously improve to eventually become the best in her city and accredited by the doctors and clinics in the area.

Her growing business and enthusiasm built on a truly scientific foundation qualifies Zaineb to participate in the WLIFT special training program for SME clients and have also made her eligible to take a loan from Relief International Microfinance Iraq to purchase a new machine with all its utilities for hormone analysis.

As she explains with her own words: I’m Zainab, Laboratorial Assistant (this is the official title for graduates from Technical Colleges with Diploma “two year study”), I would like to get a loan from Relief International for the purpose of purchasing an analysis/system device to improve/speed up my work. Thank you very much.

In addition to the investment in the business, from the training Zainab hopes to gain in-depth knowledge to develop the business and serve her clients better through improved administrative and management skills.

Additional Information

More information about this loan

This loan is part of the WLIFT program (Women Leveraging the Internet for Financial Transformation), a partnership between Kiva, microfinance institution Relief International, the Cherie Blair Foundation for Women and the U.S. State Department. The program combines customized technical assistance with loans for women-owned small and medium enterprises in Iraq to help them grow, increase their profitability, and create more stable jobs in their communities.

About Relief International Iraq

Relief International (RI) is a non-profit non-sectarian organization with a multifaceted approach to working in post-conflict, vulnerable and transitional countries. As part of its core mission to bridge emergency relief with long-term development though sustainable, enterprise-oriented solutions, RI directs a broad microfinance portfolio in the Middle East and South Asia. In Iraq, RI microfinance has been providing access to capital for micro, small and medium enterprises since 2006. When lending through RI, there are several points to consider:

1. RI-Iraq offers loans that are customized for borrowers in Iraq, a predominantly Muslim country. A key principle of Islam is the prohibition of charging interest on a loan. This prohibition is based on the belief that money is only a medium of exchange and has no value in itself. In order to offer loans in a manner consistent with borrowers' values, RI-Iraq charges 0% interest on this loan. However, RI-Iraq does charge a servicing fee to cover its costs. The loan amount you see listed on Kiva includes both the principal loan and the loan servicing fees. As with all Kiva loans, you should expect to have your funds returned to you according to this loan’s repayment schedule. For more information on lending in the Muslim world, please click here.

2. Because of on-going security concerns, due diligence on RI-Iraq was conducted remotely, rather than in-person as is typical with most Kiva Field Partners. RI-Iraq does, however, meet all of the other minimum criteria required by Kiva's full due diligence.

3. One of the challenges of lending to entrepreneurs in Iraq is the increased chance of difficulty transferring funds between the United States, where Kiva is based, and Iraq. While Kiva has been able to send and receive funds to and from Iraq in the past, there is a chance that we may encounter problems doing so in the future. This could result in difficulty repaying loan funds to lenders, even if individual borrowers have paid back their loans. As a lender to borrowers in Iraq, you would be taking on this additional risk.


About Iraq

  • $7,100
    Average annual income
  • 0
    View loans »
    Iraq Loans Fundraising
  • $9,342,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $12,500 helped Zainab to purchase a hormone analysis machine with all its utilities for the lab.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Nov 28, 2013
Jan 2, 2014
Currency Exchange Loss:
Oct 1, 2015