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Microfinance

Help someone start earning again through a simple, proven model. 
Your contribution provides interest-free loans for motor carts (Satoota); a practical way for jobless individuals to restart work in Iraq’s struggling economy. 

300 bags distributed
10 days left

About The Project

Many families across Iraq still face the effects of long-term instability. Instead of offering one-time aid, this project provides income-based support that lasts. Through the motor cart campaign, we help people become self-reliant again, giving them a tool to work, earn, and rebuild. 

It is written upon the door of Paradise: The reward for (giving) charity is ten times and that of (extending) loans is eighteen times”
Jaame' Al-Sa'adaat, vol. 2, pg. 159

Our Impact

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Beneficiaries per well
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Wells goal by 2025
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How We Work

Once approved, a beneficiary receives a motor cart under a signed agreement. The vehicle cannot be sold, and the cost is repaid over 12 months in interest-free installments. Original documents are kept until repayment is complete. 
Recovered funds are then used to help the next applicant. The model has maintained a 99% payback rate since 2014.  

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FAQs

FAQs

What does the microfinance project offer?

It provides interest-free loans for motor carts (Satoota) to individuals who are unemployed and meet basic eligibility criteria.

The total cost of the motor cart is repaid in 12 monthly installments. Repayments are tracked, and the original documents are held until the full amount is returned.

No. Before receiving the cart, recipients must sign a written pledge agreeing not to sell the vehicle until the loan is fully paid off.

Once repaid, the funds are reused to provide new loans to other applicants, making the project sustainable. The repayment rate so far has been 99%.

Change Starts With You

A pure intention can light up lives across continents. Through Akhyar, your kindness becomes a wave of hope that uplifts, empowers, and transforms. 

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