Iraqi AL-Aman center \ Kirkuk 

Iraqi AL-Aman center Kirkuk is an registered as a non governmental  NGO's organization working independently

The organization started to provide services for its customers on 01-08-2006 and since then it has developed its practices and performance .

·        Support small businesses and develop them through lending them small amounts for short periods of time, and motivate them to grow and expand.

·        Focusing on small businesses that can create more job opportunities for jobless people, and enhance the living standard of the owners of these businesses.

·        Promote and stimulate women businesses through holding training courses and seminars in order to develop the capabilities of business women and increase their competence and ability to establish small businesses.

After operating one years  AL-Aman  takes this opportunity  to report   AL-Aman statistics in fives area  , the  focus is on five issues :-  ( capital statue , number of client , outstanding portfolio , donor and profit ) ,

We divided our research on three period of times  starting 1 August second after six month  and third at the end of July .

AL-Aman Capital :-

This chart refer , to the  growth in the AL-Aman capital and , good management  donor trust in our institution , has allowed the increasing in the capital .

Number of clients :-  

The number of clients has increased from  1 in the first month  to 59 after the six month , to the  more than 225 today  ,The reason for this increasing is opening  new office and hiring  more loan officers in the last three months .

Donors :-

 The number of donors has increased from 1 to 3   ,  AL-Aman experience  to success to attracting new donors , such as ( USAID , KIVA AND CERP Micro grant ) . 

Outstanding portfolio :- 

AL-Aman expanded their portfolio in the last three months  , maintaining a 0%  PAR  , And keeping the repayment rate on %100 .

Profit :- 

This graph refer to the amount of the revenue from AL-Aman  portfolio , the profit was very low it was % 1 at  start . The second period increased   36 %, in the third period increased   65 % , due to the  increas in the loan disbursement activity and also we increased the interest rate for on of the AL-Aman loan product .