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Habiba Group
In this Group: Randa, Layal, Raghida
Habiba is a group composed of three Lebanese women living in a small town in Mount Lebanon. They decided to join hands and form the group in order to support each other financially.

Layal is the leader and featured member of this group. She is a 26-year-old married mother of one child, standing at the far left of the picture holding her baby girl. She works as an accountant, gives private lessons, and is enrolled in university. Her husband works in the decoration sector in Libya. She decided to join the group and acquire a group loan in order to settle her university tuition fees. This will enable her to graduate and enhance the living conditions of her family by acquiring a proper job.

As for the other group members, Randa is standing in the center of the picture, while Raghida is standing on the far right of the picture.

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
  • 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 portion of Habiba Group's $3,300 loan helped a member to settle her university tuition fees.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 20, 2013
Jul 22, 2013
Currency Exchange Loss:
Jul 17, 2014