Al Majmoua
Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.
Partner Description:
Al Majmoua, the Lebanese Association for Development, was founded in 1994 as a microfinance program under Save the Children. By 1998, it had become an independent non-profit NGO dedicated to supporting underserved communities. The organisation has a mission to promote sustainable development by improving the economic and social conditions of low-income individuals, particularly micro-entrepreneurs and women, through the provision of both financial and non-financial services. Furthermore, Al Majmoua employs international best practices for consumer protection in microfinance which helps create a more inclusive financial system in Lebanon.
A unique lending approach:
In addition to its loan product offering, Al Majmoua is committed to empowering its clients through training and capacity-building programs aimed at enhancing business skills and financial literacy. These programs are offered to all clients free of charge and they are tailored according to the client’s profile. Al Majmoua also offers affordable health insurance, providing its clients with access to healthcare and coverage for medical expenses.
Disclaimer: Al Majmoua previously defaulted on Kiva loans due to Lebanon’s severe economic crisis. With the economy showing signs of recovery and after a thorough re-vetting process, Kiva has re-onboarded Al Majmoua to help Lebanese borrowers regain access to critical loans. For the partner’s previous page, see: https://www.kiva.org/about/where-kiva-works/partners/77
Repayment Performance on Kiva
| This Lending Partner | All Kiva Partners | ||
| Start Date On Kiva | Sep 26, 2025 | Oct 12, 2005 | |
|---|---|---|---|
| Total Loans | $31,000 | $2,202,559,080 | |
| Amount of raised Inactive loans | $0 | $375,500 | |
| Number of raised Inactive loans | 0 | 116 | |
| Amount of Paying Back Loans | $31,000 | $155,421,750 | |
| Number of Paying Back Loans | 29 | 186,654 | |
| Amount of Ended Loans | $0 | $2,046,761,830 | |
| Number of Ended Loans | 0 | 2,694,986 | |
| Delinquency Rate | 0.00% | 11.01% | |
| Amount in Arrears | $0 | $10,554,373 | |
| Outstanding Portfolio | $5,800 | $95,852,353 | |
| Number of Loans Delinquent | 0 | 61,767 | |
| Default Rate | 0.00% | 1.81% | |
| Amount of Ended Loans Defaulted | $0 | $37,024,727 | |
| Number of Ended Loans Defaulted | 0 | 96,131 | |
| Currency Exchange Loss Rate | 0.00% | 0.40% | |
| Amount of Currency Exchange Loss | $0 | $13,693,739 | |
| Refund Rate | 0.00% | 0.52% | |
| Amount of Refunded Loans | $0 | $11,560,660 | |
| Number of Refunded Loans | 0 | 9,973 |
Loan Characteristics On Kiva
| This Lending Partner | All Kiva Partners | ||
| Loans to Women Borrowers | 73.33% | 78.89% | |
|---|---|---|---|
| Average Loan Size | $1,069 | $407 | |
| Average Individual Loan Size | $1,069 | $603 | |
| Average Group Loan Size | $0 | $1,961 | |
| Average number of borrowers per group | 0 | 8.4 | |
| Average GDP per capita (PPP) in local country | $15,800 | $5,584 | |
| Average Loan Size / GDP per capita (PPP) | 6.77% | 7.29% | |
| Average Time to Fund a Loan | 0.92 days | 9.19 days | |
| Average Dollars Raised Per Day Per Loan | $1,161.56 | $44.29 | |
| Average Loan Term | 13.2 months | 11.52 months |
Journaling Performance on Kiva
| This Lending Partner | All Kiva Partners | ||
| Total Journals | 0 | 1,302,004 | |
|---|---|---|---|
| Journaling Rate | 0.00% | 41.73% | |
| Average Number of Comments Per Journal | 0.00 | 0.02 | |
| Average Number of Recommendations Per Journal | 0.00 | 0.52 |
Borrowing Cost Comparison (based on 2009 data)
| This Lending Partner | Median for MFI's in Country | All Kiva Partners | ||
| Average Cost to Borrower | N/A | 32.00% PY | 28.52% PY | |
|---|---|---|---|---|
| Profitability (return on assets) | 126.65% | -13.5% | -1.00% | |
| Average Loan Size (% of per capita income) | N/A | 11.00% | 0.00% |
Country Fast Facts
- Country:
- Lebanon
- Capital:
- Beirut
- Official Language:
- Arabic (official), French, English, Armenian
- Population:
- 5,882,562
- Avg Annual Income:
- $15,800
- Labor Force:
- N/A
- Population Below Poverty Line:
- 28.00%
- Literacy Rate:
- 89.60%
- Infant Mortality Rate (per 1000):
- 7.98 deaths
- Life Expectancy:
- 77.22 years
Lending Partner Staff
George LteifNadine Mahdi
Houaida Nasrallah
Sarah Srour