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Al Warda Group
In this Group: Raghida , Ghada, Amal, Nisrine
Raghida is the featured borrower of Al Warda group. She got together with her other group members to apply for a loan from Kiva partner Al Majmoua because they have always been neighbors and friends.

Raghida is a 32-year-old married mother of four children. She is the second from the right, wearing a white veil. She has been working selling clothes for six months to help her husband in making their living and covering their family's requested increasing needs.

Raghida is working hard to provide her family with their necessary needs. She also helps her husband in taking care of her mother-in-law to provide her with a caring and healthy living medium.

Her applied for loan will be invested in increasing her business merchandise with a new clothes collection. She hopes to keep on developing her business to satisfy both her family members and customers at the same time.

As for the other group members, Amal is the first from the right, Ghada is the lady in blue, and Nisrine is the first from the left.

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
  • 128
    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 Al Warda Group's $2,700 loan helped a member to increase her business merchandise with a new clothes collection.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 8, 2013
Aug 14, 2013
Currency Exchange Loss:
Jun 17, 2014