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Jhenuz Group
In this Group: Jennifer , Airies , Jocelyn
Jhenuz is a group composed of three Filipino women working as housekeepers for Lebanese families. They decided to establish the group and acquire a loan from Al Majmoua because each of them is in dire need of financial support. Jennifer is the leader and featured member of the group. She is a 31-year-old single mother of two children, sitting on the far right of the picture. Her children live back in the Philippines, and she is their only financial provider. In fact, she decided to form the group and acquire a loan in order to pay the tuition fees of her children who are both enrolled in private schools. Her low-income job could not allow her to provide for her own self and for her children as well.

As for the other group members, Jocelyn is sitting in the center of the picture, while Airies is sitting on the far left of the picture.

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
  • 127
    View loans »
    Lebanon Loans Fundraising
  • $16,640,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Jhenuz Group's $900 loan helped a member to pay the tuition fees of her children who are both enrolled in private schools.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 13, 2013
Jul 14, 2013
Currency Exchange Loss:
Nov 17, 2013