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Thess Group
In this Group: Cristeta , Ramona , Leticia
Cristeta is the featured borrower for Thess's group. She got together with her other group members to take this Al Majmoua loan because they have been neighbors and friends since they came from the Philippines to work in Lebanon. Cristeta is seated on the right. She works as a housekeeper, like almost all of the Philippine citizens working in Lebanon.

Cristeta is a 55-year-old widow and the mother of two. She works hard to provide her children and grandchildren with a good, healthy living. Her own aim is to fulfill their needs and she hopes that they will be important people in their society.

Criteta is applying for her fourth loan from Kiva's partner, Al Majmoua, in order to send money to her family in the Philippines to help in raising her grandchildren. She hopes that one day she can go back home and live a normal, happy life among her precious family.

Ramona, in the middle of the photo, is a 51-year-old married woman and the mother of three children. This is her fourth cycle as an Al Majmoua borrower. She is a housekeeper and wants to send the money to help her family in the Philippines.

Leticia is a 62-year-old married woman and the mother of two children. She also works as a housekeeper and wants to send money for her children to pay for necessary house and family expenses.

All three of these women wish to be financially capable of going back and spending time with their children.

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
  • 175
    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 portion of Thess Group's $1,700 loan helped a member to send money to help her family in the Philippines.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 13, 2012
Jan 11, 2013
Currency Exchange Loss:
Jul 17, 2013