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Hawraa Group
In this Group: Salwa, Joumana, Mariam
The three women pictured have formed the Hawraa Group and are applying for a 1,500 USD loan from Kiva partner Al Majmoua. They will split the loan into three portions.

Salwa is a 37-year-old single woman who has worked as a tailor for the past three years. She is a hardworking woman who puts much effort into improving her life both socially and financially. Salwa plans to use her portion to buy special sewing machines necessary to produce quality goods. She would like to open a tailoring factory where she could employ her sister and brother's wife so they could improve their living conditions.

Joumana is a 39-year-old married woman and mother of five children who has worked as a tailor for the past six months. She works hard to help her husband earn a living and add to their income to cover their expenses. She used to farm only, but she decided to work as a tailor to earn more and so improve her family's living conditions. She was an Al Majmoua client for two previous cycles. She used her first loan for her farming and the second to buy her first sewing machine. Now Joumana will use her portion of this loan to pay for her children’s school fees.

Mariam is a hardworking 39-year-old married woman who is the mother of four children. She has farmed for fifteen years. Mariam produces and sells olives, olive oil and tobacco. Most of her clients recommend her products to others because of their good quality. Mariam will use her portion of this loan to buy fertilizers and amendments for her land as well as pay for her children’s school fees.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Lebanon

  • $15,800
    Average annual income
  • 130
    View loans »
    Lebanon Loans Fundraising
  • $16,664,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Hawraa Group's $1,500 loan helped a member to buy sewing machines and fertilizers and pay school fees.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 20, 2012
Mar 23, 2012
Currency Exchange Loss:
Dec 15, 2012