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Ht Group
In this Group: Mervat, Nour, Abir , Fatima
Mervat is the featured borrower for HT's group. She got together with her other group members to take this Al Majmoua loan because they have always been neighbors and friends. She is on the right. She has been selling shoes for 1.5 years, and does well in her business because she is a hard worker who insists on improving herself and her business, in order to please her customers as much as she can.

Mervat is only 21 years old. She applied for a loan from Kiva partner Al Majmoua, in order to increase her business capital for a new released collection, especially summer shoes and bags highly requested by her customers. Mervat hopes to keep on expanding her business and to open a new branch in the future.

Fatima is the first from the left, she is a 20-year-old married woman, the mother of a two-year-old boy. Fatima has worked as a hairdresser for three years. Her business is at home so she can stay next to her child and take good care of her business and house at the same time. The requested loan will be invested in buying new updated hairdressing machines and tools.

Nour is the third one from the right. She is an 18-year-old single woman who wants to start her own new business. She will work as a hairdresser, and hopes to attract loyal customers.

Abir is the second from the right side, she is a 37-year-old married woman, the mother of four kids. She has worked at home selling clothes for two years, and is working hard through this loan to increase her capital.

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
  • 115
    View loans »
    Lebanon Loans Fundraising
  • $16,217,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Ht Group's $2,000 loan helped a member to increase her business capital for a new released collection of summer shoes and bags.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 7, 2012
Aug 10, 2012
Currency Exchange Loss:
Jul 17, 2013