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Baby Bay Group
In this Group: Liberty, Glenly , Flora , Gemma , Jeniffer
Gemma is the featured borrower of Baby Bay Group. She joined with the other group members to acquire a loan from Kiva's field partner, Al Majmoua, because they have always been friends, ever since they left their hometown in the Philippines to work in Lebanon for better incomes to support their loved ones. Gemma is a 40-year-old widowed mother of four who works as a housekeeper to provide her family with a better living. Life in the Philippines is very expensive and job opportunities are limited. Gemma is acquiring a loan from Kiva's field partner, Al Majmoua, to pay for her children's increasing school tuition fees. Gemma is the lady standing at the left side of the picture with the brown top. As for the other group members, Glenly is the lady at the far right side of the picture with the purple top, Liberty is the second lady from the left with the pink top, Flora is the second from the right with the grey top, while Jeniffer is the lady at the top center of the picture with her face appearing.

Additional Information

More information about this loan

This loan is specifically designed for Al Majmoua's vulnerable clients, namely non-Lebanese such as Filipinos, Egyptians and Syrian and Palestinians refugees. These communities have been marginalized by the Lebanese government and society and do not enjoy the same opportunities in the work, educational, and health fields. By funding this loan, you are helping these individuals improve their businesses and provide for their families. 

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
  • 37
    View loans »
    Lebanon Loans Fundraising
  • $15,789,075
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Baby Bay Group's $3,400 loan helped a member to pay for her children's increasing school tuition fees.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 10, 2014
Listed
Aug 14, 2014
Currency Exchange Loss:
N/A
Ended:
Feb 17, 2015