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 $83,000 $2,237,638,285
Amount of raised Inactive loans $0 $890,225
Number of raised Inactive loans 0 241
Amount of Paying Back Loans $83,000 $153,819,070
Number of Paying Back Loans 78 178,316
Amount of Ended Loans $0 $2,082,928,990
Number of Ended Loans 0 2,743,089
Delinquency Rate 0.00% 9.68%
Amount in Arrears $0 $9,105,273
Outstanding Portfolio $45,954 $94,018,777
Number of Loans Delinquent 0 38,329
Default Rate 0.00% 1.79%
Amount of Ended Loans Defaulted $0 $37,184,828
Number of Ended Loans Defaulted 0 97,707
Currency Exchange Loss Rate 0.00% 0.38%
Amount of Currency Exchange Loss $0 $13,857,144
Refund Rate 0.00% 0.52%
Amount of Refunded Loans $0 $11,588,415
Number of Refunded Loans 0 9,987

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 66.67% 78.98%
Average Loan Size $1,051 $409
Average Individual Loan Size $1,060 $604
Average Group Loan Size $1,400 $1,974
Average number of borrowers per group 2 8.4
Average GDP per capita (PPP) in local country $13,724 $4,376
Average Loan Size / GDP per capita (PPP) 7.66% 9.34%
Average Time to Fund a Loan 0.93 days 9.21 days
Average Dollars Raised Per Day Per Loan $1,130.43 $44.40
  Average Loan Term 13.27 months 11.52 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 0 1,318,226
  Journaling Rate 0.00% 41.64%
  Average Number of Comments Per Journal 0.00 0.02
  Average Number of Recommendations Per Journal 0.00 0.51

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 28.97% PY
  Profitability (return on assets) 126.65% -13.5% -1.29%
  Average Loan Size (% of per capita income) N/A 11.00% 0.00%

Country Fast Facts

Lending Partner Staff

George Lteif
Nadine Mahdi
Houaida Nasrallah
Sarah Srour