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Partner Description:

Vitas s.a.l. has been a major player in the Lebanese Microfinance sector since 1999. Originally a micro-credit program created by CHF International called Ameen, it evolved to become Ameen s.a.l. in 2003, a Lebanese services company. In 2007, Ameen s.a.l. registered with the Central Bank of Lebanon to become the first Lebanese financial institution specialized in microfinance. Most recently, Ameen entered the Vitas Group to expand its direct lending capacity and is now known as Vitas s.a.l.


Vitas s.a.l. is the first registered Lebanese microfinance institution that provides responsible financial services to microentrepreneurs, small and medium enterprises (SME), and salaried employees. The organization serves its clients across Lebanon both directly as well as in partnership with banks. Its objective is to help its clients start and develop their businesses and improve their quality of life.


Vitas’s dedicated and professional staff operates in partnership with its bank partners to serve clients in 73 branch locations throughout Lebanon. It is also engaged in direct lending. Since its inception, it has provided high-quality financial services to over 46,000 borrowers and disbursed over 90,000 loans totaling more than US$130 million.


Business Loans: Designed for micro-entrepreneurs and small and medium enterprises (SMEs), the business loan helps to support and advance clients’ business activities. Clients with both informal and formal sector businesses make use of this loan. The Vitas Micro Entrepreneur Loan ranges from US$300-$5,000 and the Vitas SME Loan ranges from US$5,100-$15,000.

Consumer Loans: The Vitas Personal Loan is intended for a wide range of personal consumption purposes including weddings, automobile purchases, travel, education and healthcare. Loan amounts range from US$300-$5,000.

Housing Loans:  Housing Loans for the home improvement of an applicant’s residence are intended for the renovation, rebuilding, repairing or expanding for the resident's premises. Vitas offers two types of housing loans — one for small improvements that ranges from US$300-$5,000 and one for larger renovation and construction projects that ranges from US$5,100-$15,000.

ICT Loans:  The Vitas Information and Communication Technology (ICT) loan targets ICT driven businesses and start ups in rural and peri-urban areas in Lebanon. Vitas delivers these loans in partnership with Cisco systems. The loan amount ranges from US$300-$10,000. Vitas has invested in a specialized unit to focus on micro credit for rural ICT entrepreneurs to support this innovative loan product.

Kiva Loans: Vitas offers Kiva loans as a separate product to support micro enterprises. The loan amount ranges from US$300-$1,200. Vitas has formally integrated Kiva into its organizational process, including hiring a coordinator specifically to manage Kiva loans. With Kiva’s 0% interest capital, Vitas has been able to offer lower interest rates on Kiva loans and is able to disburse Kiva loans faster than any of its other micro loan products.


Vitas's objective to enhance the institutional capacity of private commercial banks to deliver microfinance products was accomplished by partnering with institutions that have a reputation for quality, outreach and interest in the microfinance sector. Currently -- in addition to Kiva -- the organization partners with:

USAID: U.S. Agency for International Development

Mix Market: A global information platform on microfinance

Sanabel: Microfinance network of Arab countries

OPIC: Overseas Private Investment Corporation

CISCO/Partnership for Lebanon: To provide needed resources to assist the reconstruction effort in Lebanon by supporting technology infrastructure projects.

Relief International: A humanitarian non-profit agency that provides emergency relief and assistance to vulnerable communities worldwide.

IESC/VEGA: A non-profit organization using private sector volunteers to assist economic growth around the world.

Awardsand Honors

- Certificate of Transparency, Mix Market (2003, 2004, 2005, 2006, 2008, 2009)

- MIX Global 100 Composite Ranking (2008 and 2009): A ranking of the top 100 microfinance organizations that achieve the best outreach, efficiency and transparency.

- Best Micro-Entrepreneur of the Year, Sanabel Microfinance Network (2008)

- YMCA-Citigroup Micro-Entrepreneurship Awards (2007 to 2010)

Get involved with Vitas as a member of the Ameen Lebanon Kiva lending team. Or lend to a Vitas micro-entrepreneur today!

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Sep 16, 2008 Oct 12, 2005
Total Loans $4,874,275 $665,003,550
Amount of raised Inactive loans $0 $371,875
Number of raised Inactive loans 0 250
Amount of Paying Back Loans $172,200 $128,569,650
Number of Paying Back Loans 213 141,854
Amount of Ended Loans $4,702,075 $536,062,025
Number of Ended Loans 3,757 670,638
Delinquency Rate 0.96% 5.38%
Amount in Arrears $1,138 $4,487,284
Outstanding Portfolio $119,096 $83,421,957
Number of Loans Delinquent 9 16,029
Default Rate 0.03% 1.11%
Amount of Ended Loans Defaulted $1,639 $5,954,672
Amount of Ended Loans $4,702,075 $536,062,025
Number of Ended Loans Defaulted 5 17,854
Currency Exchange Loss Rate 0.00% 0.17%
Amount of Currency Exchange Loss $0 $1,106,295
Refund Rate 0.98% 0.71%
Amount of Refunded Loans $47,775 $4,695,700
Number of Refunded Loans 30 5,220

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 33.36% 74.23%
Average Loan Size $1,230 $417
Average Individual Loan Size $1,231 $655
Average Group Loan Size $850 $1,841
Average number of borrowers per group 2 8
Average GDP per capita (PPP) in local country $5,900 $3,389
Average Loan Size / GDP per capita (PPP) 20.85% 12.31%
Average Time to Fund a Loan 13.97 days 6.05 days
Average Dollars Raised Per Day Per Loan $88.04 $69.00
  Average Loan Term 11.61 months 10.62 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1,749 328,689
  Journaling Rate 45.86% 41.77%
  Average Number of Comments Per Journal 0.02 0.07
  Average Number of Recommendations Per Journal 0.37 1.69

Borrowing Cost Comparison (based on 2013 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 18% APR 32.00% PY 33.02% PY
  Profitability (return on assets) 3.5% -13.5% -0.68%
  Average Loan Size (% of per capita income) 12.20% 11.00% 36.66%

Country Fast Facts

Field Partner Staff

Celine Adas
Joelle El Tawil
Ziad Halaby
Samer Jaber
Bassam Jardaly
Nadine Khoury
Mireille Nader
Dalia Ouaidat
Lena Safi

Kiva Fellow(s)

Noura Ismail