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Youssef Group
In this Group: Layal, Aliyeh, Huda
Layal is the featured borrower of Youssef’s Group. She, along with her other group members are applying for a loan from Kiva partner Al Majmoua, because they have always been neighbors and friends. Layal is a 24-year-old married woman, mother of two children (Ali-6-M, Mohamad-5-M) who has been working in selling beauty cosmetics and creams for one year to help her husband in making their living and increasing their income.

Layal is a hard worker who puts so much effort into helping her husband in improving their social and financial situation. She is applying for a YOUTH LOAN from Kiva partner Al Mjamoua, in order to buy new release spring/summer beauty cosmetics and creams to serve her customers better and to respond to their requests. She hopes that one day she will be capable of opening her own shop instead of working from home. Layal is the one in the middle.

Aliyeh is the one on the right; she is a 29-year-old married woman, mother of three children (Darine-13-F, Mohamad-11-M, Hamza-6-M). She has been working in a school for five months, and is planning to invest the applied for loan to buy a new oven for her house instead of putting more pressure on her husband to increase his financial requests.

Huda is a 29-year-old married woman, mother of one child (Youssef-2.5 years-M), She is the one from the left. She has been working as a hair dresser and a tutor for three years, to increase her family’s income and improve their standard of living. Huda works at home and that’s why with the requested loan she will make sure that she will better serve her customers and improve her family’s living place through making the necessary maintenance and walls paintings.

Additional Information

More information about this loan

This loan is helping support a borrower who is under age 30. Because many young people lack business experience or established credit histories, it can be even more difficult for them to access financial services. By funding this youth loan, you are expanding opportunity for a young person with limited resources. 

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
  • 132
    View loans »
    Lebanon Loans Fundraising
  • $18,176,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Youssef Group's $1,800 loan helped a member to buy new release for spring/summer beauty cosmetics and creams to serve her customers better and respond to their requests.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 17, 2013
Feb 15, 2013
Currency Exchange Loss:
Dec 17, 2013