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Al Hayat 1 Group
In this Group: Nariman, Joumana, Suzan, Suzane
Nariman is the featured borrower of the Al Hayat 1 Group; she is acquiring a loan from Kiva partner Al Majmoua, and has always been neighbors and friends with the other group members.

Nariman has been employed in a beauty salon for ten years, with a special expertise in women's facial beauty treatments.

She is a 28-year-old married mother of two. She has very good experience in her domain; that's why she is acquiring a loan from Kiva partner Al Majmoua to buy a special facial beauty machine, which is very important for improving her own developed business. It will improve both her business and family situation.

Nariman is the first from the left wearing blue. As for the other members, Joumana is wearing black, Suzan is wearing blue and standing second from the right, and Suzane is wearing a white shirt.

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
  • 142
    View loans »
    Lebanon Loans Fundraising
  • $18,174,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A portion of Al Hayat 1 Group's $4,600 loan helped a member to buy a special facial beauty machine.
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 1, 2013
Sep 4, 2013
Currency Exchange Loss:
Oct 4, 2013