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Jana Group
In this Group: Rafika, Entisar, Elham
Rafika is the featured borrower of Jana group. She got together with the other group members to acquire a loan from Kiva’s partner Al Majmoua because they have always been neighbors and friends. They are seeking to develop their living.

Rafika is a 45-year-old married mother of two children. She is the first lady sitting on the right side of the picture with the green top. Rafika works at her house in a handcraft business with 10 years of experience. Her wide experience in this domain provided her with her customers’ trust and support.

This is her fifth consecutive loan cycle from Al Majmoua. Her previous loans helped her a lot in developing her family’s living through supporting her husband in covering their increasing living needs. Today, her acquired loan will be invested in making necessary maintenance at her house to keep it a healthy living place.

As for the other group members, Entisar is the lady sitting in the center of the picture, and Elham is the first lady on the far left side 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Lebanon

  • $15,800
    Average annual income
  • 142
    View loans »
    Lebanon Loans Fundraising
  • $17,449,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Jana Group's $2,200 loan helped a member to do necessary maintenance at her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 4, 2014
May 3, 2014
Currency Exchange Loss:
Jan 17, 2015