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Clemencue Group
In this Group: Army, Merly, Mayvel, Remy
Army is the featured borrower of Clemencue group. She got together with the other group members to acquire a loan from Kiva's field partner Al Majmoua because they have always been friends since they left their hometown in the Philippines to come and work in Lebanon with a better income to support their beloved ones back in the Philippines. Army is a 42-year-old divorced mother of three who works as a housekeeper to provide her family with a better living through the acquired income from her current job. Life in the Philippines is very expensive and job opportunities are limited. Army is acquiring a loan from Kiva's field partner Al Majmoua, to pay for her children's increasing school tuition fees. Army is the lady standing at the far left side of the picture with a pink top. As for the other group members, Merly is the second lady from the right side of the picture, Mayvel is the second lady from the left with an orange top, while Remy is the first from the right.

Additional Information

More information about this loan

This loan helps Palestinian refugees living in Lebanon, specifically in refugee camps throughout the country. Palestinian refugee camps in Lebanon often have poor infrastructure and do not receive the same basic services as the rest of the country. Palestinian refugees have been marginalized by the Lebanese government and society, as they face many restrictions and discrimination in the work, educational, and health fields. By funding this loan, you are helping these marginalized individuals develop 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
  • 125
    View loans »
    Lebanon Loans Fundraising
  • $17,359,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Clemencue Group's $2,100 loan helped a member to pay for her children's school tuition fees.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 10, 2014
Aug 14, 2014
Currency Exchange Loss:
Feb 17, 2015