• Gender finance
  • Microfinance
Oct 9, 2017

Working at the supermarket from 6:30 in the morning until 1:00 after midnight, Nisreen and her husband, Nayef, serve around 100 customers daily. The secret to their success? “We sell everything!” Nisreen says.

Nisreen Al Kaabneh, a microfinance client since 2010, is the 37-year-old woman behind the success of “Nayef Supermarket” in the town of Deir Alla. Where around 27.1% of the 70,000 residents of Deir Alla live below the poverty line*, Nisreen’s success is a testimony to the relevance of Microfinance for empowering people by improving their job and life prospects. The support of the EU, the BMZ, and the GIZ assures a continuously stable and well-functioning microfinance sector for even more people from towns like hers.

Working at the supermarket from 6:30 in the morning until 1:00 after midnight, Nisreen and her husband, Nayef, serve around 100 customers daily. The secret to their success? “We sell everything!” Nisreen says. “We order merchandise and products that other supermarkets don’t order, and most importantly, if a customer comes in looking for something we don’t have, we make a note of it so we can have it next time.”

Nisreen was born and raised in the Baqaa Refugee Camp where she worked in her family’s supermarket since the age of 8. “My father opened up a supermarket and died 2 years later. After that, as the eldest daughter, my mother depended on my help to run it.” Nisreen helped out every day until she was 18 years old, and saved 5000 JDs. Before leaving her family home when she got married to Nayef, she gave her mother the money she had saved to rebuild the family home.

Nisreen and Nayef settled in the village of Jifna in the West Bank after their marriage, but due to the political situation, they soon had to move back to Jordan. The couple decided to settle in Deir Alla and took over the shop of an uncle. “We bought merchandise for 600 JDs and opened up a little store.” Then in 2010, Raed, a credit officer of a large microfinance institution, who was also one of Nisreen’s customers, offered her a loan of 1,200 JDs. At first she declined because she felt it was not enough money, but then Raed explained that if she starts with this amount and pays it back on time, she will be able to increase the amount the following year. Encouraged by this promise, Nisreen decided to take the loan.

In 2011, Nisreen took out a loan of 3,000 JD, followed by 6,000 JD in 2012. That year, the couple decided to build a home and move their supermarket’s location as an extension to their house. “The 6,000 JD loan made a big difference. We were able to buy more merchandise and double our income. We were also able to buy new appliances for our house and put our children in better schools”, says Nisreen.

As her family’s life improved, Nisreen continued to take out loans and was able to extend the loan up to 20,000 JD in 2016. “When I take a loan, the first thing I do is buy all the merchandise I need, investing all the money in products I will sell in the supermarket. I don’t keep the cash on me because then I will spend it! It is much better to buy stock and keep them in storage. That way, I can profit from selling the products and that’s how I ensure my family’s income.” In 2018, Nisreen will be up for a 35,000 JD loan and plans to expand their supermarket.

Reflecting on her journey from her time as an 8-year-old helping her father to the entrepreneur she is today, Nisreen says: “I think I am someone who always finds her way. My father used to tell me and my sisters that following our dreams is more important than adhering to the limiting social rules for women. If he were alive today, he would be proud of me.”

Author: Natalie Al Shami

Co-interviewer: Ala’a Alhyari

Editors: Armin Satzger, Atilla Kaiser-Yuecel


This article is one in a series of feature stories about the lives and ventures of microfinance clients in Jordan. They are produced under the program “Promoting Microfinance in the MENA Region” / “Promoting Financial Inclusion through Improved Governance and Outreach of Microfinance in Jordan”. This programme is implemented by GIZ in cooperation with the Central Bank of Jordan, the Ministry of Planning and International Cooperation, and the Development and Employment Fund as well as with funding by the European Union (EU) and by the German Federal Ministry for Economic Cooperation and Development (BMZ). The views expressed here can in no way be taken to reflect the official opinion of the EU or BMZ. For more information visit us at: microfinance-mena.org
* Department of Statistics Jordan, 2015; UNDP 2012, “Thinking Differently about the Poor, Findings from Poverty Pockets Survey in Jordan”