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Karam Group
In this Group: Ernalyn , Lilibeth, Maribeth
Ernalyn is the featured borrower of Karam's group. She and the other two group members are partnering to acquire a loan from Kiva's partner, Al Majmoua, because they have been friends since they came to work in Lebanon as housekeepers. They came to Lebanon to earn money to provide their families with the best education and a better living.

Ernalyn misses her hometown in the Philippines, but she insists on working hard to support her family. Her loan from Al Majmoua will be sent to her children to pay for their school fees.

Ernalyn is the woman in the center of the picture, with a white top. Lilibeth is on the left with a light green top, and Maribeth is on the right with a red shirt.

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
  • 117
    View loans »
    Lebanon Loans Fundraising
  • $17,378,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Karam Group's $1,200 loan helped a member to pay her children's school fees.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 24, 2013
Nov 20, 2013
Currency Exchange Loss:
May 17, 2014