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Tahsin is a client with special needs from Iraq. He is 49 years old, married, and has four children, one of whom appears in the picture. He is the only provider for the family.

Tahsin owns a grocery store. He sells soft drinks, juices, cheese, dairy products, detergents, and snacks. He established his business in 1996. He has built up good experience in this field and is well known in the surrounding area. He has an excellent reputation.

Tahsin is requesting a loan of 3,000 USD to pay the annual rent for the shop. He is aiming to grow his business more and expand his shop in the future so he may increase his profits and make more income for his family.

Additional Information

More information about this loan

This loan was designed by CHF ACSI to help victims of the Iraq War, namely those who have been left with physical disabilities. The goal of these loans is to provide financial support to individuals with special needs, allowing them to develop their businesses and improve their standard of living. By funding this loan you are helping a disabled borrower overcome some of the challenges they face as a result of their disability.

About CHF International Access to Credit Services Initiative

CHF International Access to Credit Services Initiative Iraq has played a significant role in the rehabilitation of the Iraqi economy. As the largest microfinance institution in Iraq, ACSI is well-positioned to provide quality financial services. When lending through CHF, please consider the following:

1. Due to social and political challenges in Iraq, personally identifiable attributes of this borrower may have been altered to protect their identity (i.e. blurring portions of the borrower's photo, anonymizing name and location, etc.). CHF appreciates Kiva lenders' understanding of these challenges and encourages lenders to continue their support for Iraqi borrowers.

2. To cater to more Iraqi borrowers, CHF offers loans that comply with Islamic law. A key principle of Islam is the prohibition of charging interest on a loan. In order to offer loans in a manner consistent with borrowers' values, CHF will charge 0% interest on this loan. However, the organization does charge a flat service fee to cover its costs. The loan amount you see listed on Kiva includes both the principal loan and this additional fee. As with all Kiva loans, you should expect to have your funds returned to you according to this loan’s repayment schedule.

3. Please note that CHF has not been visited by any members of Kiva's staff. Due to ongoing security concerns, due diligence was conducted remotely. ACSI does, however, meet all of the minimum criteria for partnership with Kiva.

4. While Kiva has been able to send and receive funds to and from Iraq in the past, there is a possibility that future loan repayments could be delayed for regulatory reasons, even if individual borrowers pay back their loans. When you make a loan through CHF, you assume 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 $3,000 helped Tahsin to pay the annual rent for the shop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 12, 2014
Jun 18, 2014
Currency Exchange Loss:
Jul 17, 2015