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Bilal is a 22-year-old man who lives in the Bekaa Valley. Bilal has owned and operated a coffee shop since 2006. He also offers "narguileh" (also known as a "hookah" or "shisha"), an ancient tradition enjoyed by the people of the Middle East in which people smoke fruit-flavored tobacco from a tall or short water pipe. Narguileh is enjoyed in cafes across the Middle East and is beginning to gain popularity in the US, Europe and other countries.

Bilal has requested a loan from Al Majmoua to redecorate his business to make it more modern and attract more clients. This is the first time that Bilal has requested a loan. His business is favored because it is well located and he does his best to meet his clients’ demands and offer them the best. His clients are his friends, neighbors and tourists.

When he first started his business, he didn't have many clients because he was not well known, but he knew how to enlarge his network. He decided to start his business because he used to work as a waiter and gained experience from his previous jobs. In the future, he plans to improve his business.

Additional Information

About Al Majmoua – Lebanese Association for Development

The Lebanese Association for Development – Al Majmoua is Lebanon’s leading microfinance institution and the oldest Kiva partner in Lebanon. Al Majmoua’s vision is to “be the leader in creating an inclusive financial system where all people in Lebanon have access to affordable services.” Given Lebanon's diverse population, Al Majmoua lends to all nationalities, provided legal residency. The strong financial position achieved to date has allowed Al Majmoua to steadily lower its pricing over the years.

Based on the belief that non-financial services play a complementary role in improving the quality of life of the most vulnerable entrepreneurs, Al Majmoua has established a solid Business Development Services program for both borrowers and non-borrowers with a focus on women and youth.

About Lebanon

  • $15,800
    Average annual income
  • 142
    View loans »
    Lebanon Loans Fundraising
  • $17,449,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Bilal to redecorate his cafe.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 22, 2009
Jan 11, 2010
Currency Exchange Loss:
Jan 15, 2011