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Harkous Group
In this Group: Abir, Siham, Roudeina
Harkous is a group composed of three Lebanese women who are colleagues and friends. They decided to join hands and request a group loan from Al Majmoua.

Siham is the leader and featured member of this group. She is a 35-year-old single lady who still lives with her retired parents. Siham is the only financial provider for her family of six. She works as an editor at a printing house and is in charge of correcting the grammar. Siham's income is very low and not sufficient to provide for herself, let alone her entire family. Her family's income is not enough for them to purchase any additional leisure products and this is why she decided to join the Harkous group. Siham will use her portion of the loan to purchase a personal computer with a desk to be able to work at home to earn extra income.

Abir is a 33-year-old single lady who lives with her parents. Her father sells lotto tickets and she works with Siham in the printing house. Abir is in charge of the printing process. Her family is composed of six people and she must work to earn income to support her family. Abir will use her portion of the Al Majmoua loan to purchase a laptop that is necessary for her editing and printing work.

Roudeina is a 36-year-old married woman. She owns a small international call center and she also sells accessories. Roudeina's husband owns a small business where he trades radiators. She will use her portion of the loan to purchase merchandise for her business to increase her revenue. The additional income from her loan might help her make the decision to have 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
  • 102
    View loans »
    Lebanon Loans Fundraising
  • $16,166,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Harkous Group's $1,200 loan helped a member to purchase a personal computer with a desk.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 27, 2013
Jun 29, 2013
Currency Exchange Loss:
Mar 17, 2014