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Al Jawad Group
In this Group: Nisrine, Najwa, Norma
Al Jawad is a group composed of three Lebanese women. They decided to form the Al Jawad group in order to support each other financially by acquiring a group loan from Al Majmoua.

Najwa is the leader and featured member of this group. She is a 35-year-old married mother of seven children, standing on the left in the picture. She owns a small business where she sells lingerie, perfume, and creams. Her husband is a retired military officer, and their combined revenue is not even enough to provide for three people, let alone for the four others. Her family is in an extremely dire situation, and Al Majmoua is most probably her last escape out of misery and poverty. In fact, she needs the Al Majmoua loan in order to purchase merchandise to enhance and expand her business, which might raise her revenue, and would allow her to provide a better life for her seven children.

Nisrine is a 36-year-old divorced mother of one child, who is still living under her protection and care. She owns a small international call center shop. She needs the Al Majmoua loan in order to expand and enhance her business by purchasing merchandise for her business, as well as installing perfuming machines in the shop.

Norma is a 25 year-old single lady. She owns a small hairdresing salon where she is in charge of the hairdressing section. She needs the Al Majmoua loan in order to purchase creams and shampoos for her saloon.

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
  • 47
    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 Al Jawad Group's $1,500 loan helped a member to purchase merchandise to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 22, 2013
Jun 19, 2013
Currency Exchange Loss:
Mar 17, 2014