From Al Jazeera. Any opinions expressed are those of the authors, and do not necessarily reflect the views of Iraq Business News.
More than three million people have been forced from their homes by ISIL's onslaught in Iraq.
Many live in deplorable conditions in camps where tents are collapsing under winter rains and some children have only slippers to wear in the freezing cold.
Al Jazeera's Mohammed Jamjoom reports from the Baharka Camp on the outskirts of Erbil: