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Rayan Group
In this Group: Dalia, Thaljeh, Fatima
Thaljeh is the featured borrower for Rayan's group. She got together with her other group members to take this Al Majmoua loan because they have always been neighbors and friends. Thaljeh is the one on the left in the photo.

Thaljeh is a 40-year-old married woman who came from Syria six years ago to start her own business to improve her living. Thaljeh is a Syrian citizen who works from her house as a hair dresser. She is working hard to improve her business so she can move out and open a beauty salon in the future. Today, she is applying for her second cycle loan from Kiva partner Al Majmoua, in order to buy special hair and facial creams necessary for the winter season care.

Fatima is on the right in the photo. She has worked as a concierge for 15 years. She is married and a mother of one child, a 12-year-old boy (Saleh). Fatima is applying for a loan in order to buy a washing machine, which is necessary for her household needs.

Dalia is the one in the middle. She is a 28-year-old married woman and mother of two. She is applying for a loan from Al Majmoua to start a new business, which will help her husband in covering their family's expenses and improving their living. She will start selling Brazilian gold and accessories, which she likes to trade with most.

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
  • 126
    View loans »
    Lebanon Loans Fundraising
  • $16,605,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Rayan Group's $1,000 loan helped a member to buy special hair and facial creams.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 14, 2012
Jan 11, 2013
Currency Exchange Loss:
Nov 17, 2013