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Ossama is a 25-year-old wife and mother of one who has for the last year-and-a-half been the owner of a florist shop. The last loan which Ossama received from Al-Majmoua improved the standard of living for her and her family by helping her expand her business and become more self-reliant. The applicant’s shop is distinguished by its owner’s exquisite taste as well as its 24-hour services ready to meet anyone’s needs. Among the larger orders the applicant fills are those for wedding flowers and decorating wedding caravans with flowers. The applicant’s patrons come from the general area and include hotel and restaurant owners, wedding providers, and tourists. The biggest obstacle which Ossama faced at the outset of her work was lack of name recognition, but her persistence has conveyed her to the peak of success. The applicant is now asking for a loan of $1500 to purchase seasonal flowers as well as stands and shelves to more aesthetically showcase her products. Ossama also hopes to eventually establish a wedding providing agency.
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اسامه سيدة متزوجة تبلغ الخامسة والعشرون من العمر، لديها ولد واحد. تملك أسامة محل لبيع وتنسيق الازهارمنذ سنة ونصف. سبق لاسامة ان تعاملت مع المجموعة، وكان للقرض تاثير جيد على حياتها وعلى المستوى المعيشي لعائلتها، فقد ساعد على التوسع ةالإعتماد على النفس. ما يمييز عمل أسامة أنه متكامل وتفتح 24 ساعة، لتلبية حاجات ورغبات الأجناس المختلفة. فهي تلتزم تزيين الاعراس والسيارات، وتتمييز بذوقها الرفيع. زبائنها هم سكان المنطقة، أصحاب الفنادق والمطاعم، متعهدي الأفراح، بالإضافة إلى السياح. المشاكل التي واجهتها في بداية عملها هو عدم مصداقية التعامل من قبل الزيائن، ولكن إصرارها على النجاح ومثابرتها عليه أوصلها إلى ذروة النجاح. هذه المرة عمدت اسامه إلى طلب قرض من المجموعة لشراء كمية من الازهار الموسمية، بالإضافة إلى ستاندات أو رفوف لعرض البضائع بشكل احلى. تحلم وتصر اسامة على إنشاء مكتب تعهدات وإلتزام الأفراح.

Additional Information

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.

About Lebanon

  • $15,800
    Average annual income
  • 62
    View loans »
    Lebanon Loans Fundraising
  • $19,546,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Ossama purchase seasonal flowers and stands and shelves to showcase products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 7, 2010
Oct 4, 2010
Currency Exchange Loss:
Dec 16, 2011