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Julia Group
In this Group: Azhar, Layla, Zeinab
Azhar is a 38-year-old married woman and the mother of four girls, the smallest of whom is 6 years old and the biggest is 17. Azhar opened a grocery store two years ago to help her husband increase their income and to cover their daughters' needs. Her business is growing, and that's why she needs Al Majmoua, a Kiva partner's support, to buy necessary goods for the spring-summer season. Azhar is a hard worker. She developed her business a lot since she started and she is still willing to do as much as she can to provide her girls with the living they deserve to have. Azhar will buy soft drinks and ice cream, and these will help a lot in filling most customers' needs.

Layla is a 30-year-old married woman and the mother of three children (two girls and one boy). Her little girl is only seven months old and needs so much care. Layla is comfortable with her business because in the meantime she can take good care of her children from her house. She is a hairdresser well known in the region, and supported by most of her customers and family members. She is applying for a loan from Kiva partner, Al Majmoua, in order to buy necessary tools and hair colors requested in this business, in addition to paying for her children's school fees. She is very supportive of her husband and is willing to stay supportive, and she hopes to open her own beauty salon in the future.

Zeinab is a 46-year-old married woman and the mother of four children. She works from her house preparing food. Her catering business is very important, and she is developing it a lot since she has a lot of wedding and funeral requests to cover. It takes a lot of care for such a business to sprout a lot of good income in the future. Zeinab is requesting a loan from Kiva partner, Al Majmoua, in order buy necessary merchandise for her business to stay ready for any request in the coming days. She is a hard working woman who will invest the loan in buying herbs, rice and some necessary items that won't rot over time. She hopes to open her own restaurant or catering company in the future.

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
  • 117
    View loans »
    Lebanon Loans Fundraising
  • $17,378,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Julia Group's $1,700 loan helped a member to improve their businesses with necessary products requested.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 12, 2012
Mar 30, 2012
Currency Exchange Loss:
Feb 15, 2013