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Nawal Group
In this Group: Nawal , Khadija, Zalfa
Nawal is a 51-year-old married woman and mother of three children. Nawal has worked as a tailor for 10 years. She started her business to help her husband make a living and raise their children. She stopped working for a few years when she found out that her children needed a lot of care and attention, but two years ago Nawal felt lonely since all of her children got married and she was left alone during the day busy with nothing to prepare for the kids who were supposed to be back home for lunch or dinner.

So working again was the best thing for her to improve her social life in addition to supporting her family again with additional income for whoever needs help. She is very happy that she took this path again, and she is willing to open a big factory in the future. Today, Nawal is applying for a loan from Kiva partner Al Majmoua, in order to buy a new and improved tailoring machine capable of doing a lot of work in a very short amount of time with especially good quality.

Khadija is a 25-year-old married woman and mother of three gorgeous children who fill her whole life, and for whom she sacrifices hers in order to please them and provide them with the best living ever. Three years ago, Khadija started to work as a hairdresser. She faced a lot of problems and complaints from her husband at the beginning since he refused to let her work and start her own business. But at the same time, she had her husband's family's support, which helped a lot in taking the first step. Her business started at home, since her husband spends most of his time away and she had to fill her free time and at the same time stay next to her children. Most of her customers are friends, relatives and neighbors. Khadija is applying for a loan from Kiva partner Al Majmoua, in order to buy necessary hair colors, a new hairdryer and necessary hair dressing tools to improve her business. She hopes that one day she will open her own beauty salon and all of her customers will support her there too since they are very loyal to her. She is sure that her husband, although he refused at the beginning, is very proud of her now.

Zalfa is a 43-year-old married woman and mother of three children. Zalfa has been working in the Mouneh business for 13 years. She inherited her business from her mother who used to do it in her village. That's what encouraged her to start this business in her husband's village. Zalfa makes jam, she prepares Mouneh during the summer months to be consumed during winter’s harsh days. This way of preserving food helps foods to live a longer life. The Mouneh food has started in time to be a basic food for most of the Lebanese. Her business is improving and now is the suitable time to start working since everything is almost available to start preparing. That's why, to be ready for customers' replies, Zalfa is requesting a loan from Kiva partner Al Majmoua, in order to buy necessary goods such as vegetables, fruits and seeds , to start her preparations.

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.

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
  • 45
    View loans »
    Lebanon Loans Fundraising
  • $19,480,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Nawal Group's $1,800 loan helped a member to purchase a tailoring machine.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 12, 2012
Mar 30, 2012
Currency Exchange Loss:
Feb 15, 2013