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A.n.m.o Group
In this Group: Najah, Mariam, Amani, Oussama
Mariam (3rd from the left) is a 26-year-old married woman and mother of one son. She is the featured borrower of ANMO Group. For four years now, she has been working as a hairdresser, based at home. Besides this service, Mariam also sells women's clothing and handmade handicrafts and decorations.

She got together with the other members of her group, Najah, Oussama, and Amani (from left to right) to apply for a Group loan from Kiva’s Partner, Al Majmoua. Mariam will use the money from the loan to buy a nail care tool for $100 and will use part of the remaining amount to buy hair colorants. She will invest the rest of the loan in printing business cards, brochures, and pricing manuals.

Previously, Mariam suffered from the informality with customers; she was always embarrassed to ask for the right prices from her neighbors and friends, consequently incurring losses in her business. With a fixed pricing manual, Mariam will finally overcome this problem.

With her good reputation in the area, her quality service, and accumulated savings, Mariam seeks to open her own hairdressing salon, independent from home, in the future.

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
  • 37
    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 portion of A.n.m.o Group's $2,000 loan helped a member to buy a nail care tool for $100 and use part of the remaining amount to buy hair colorants.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 22, 2012
Jul 9, 2012
Currency Exchange Loss:
May 17, 2013