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Amcha is a 38-year-old married woman and a mother of four children for whom she works hard to provide a good living. Amcha is a baker who makes saj bread, a traditional Lebanese bread cooked on a saj, much like an upside-down wok. It is also known as markouk, manakish or manaeesh bread. The dough, which is like a thin pastry, is topped with thyme, cheese or ground meat; some places use other ingredients to make it tasty and attractive.

Amcha used to work with her sister as partners, but her sister was getting too old for such hard work. Consequently, Amcha bought out her sister's part of the bakery and is now the sole owner.

Amcha's business increases during Ramadan. Once the daytime fast has been broken, most store owners open their shops for customers at night. People will eat at nighttime so they can fast during the day.

Amcha is an Al Majmoua client in good standing and has a good reputation. Her previous loans helped a lot in improving her social and financial situations. Amcha is now requesting a loan, her third from Al Majmoua, in order to decorate her bakery so as to attract customers. She hopes to maintain their loyalty.

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
  • 87
    View loans »
    Lebanon Loans Fundraising
  • $16,096,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Amcha to decorate her bakery.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 15, 2011
Aug 15, 2011
Currency Exchange Loss:
Aug 16, 2012