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Rafi Group
In this Group: Noauv , Adal, Racha, Dalia
Noauv is the featured borrower of Rafi group. She got along with the other group members to acquire a loan from Kiva's partner, Al Majmoua, because they have always been related to each other.

Noauv is a 50-year-old married mother of four children; she has been working in Mouneh business for twenty years. She's an expert in her domain and is always looking forward to improve her production and diversify her products.

She has loyal customers and new ones, which she always seeks to increase. She is acquiring a loan from Kiva's partner, Al Majmoua, to buy current season's products, such as fruits, herbs, and many other traditional foods, to conserve for the upcoming season. She is also going to buy special Mouneh needs such as glass jars and bottles to conserve jams, tomato pastes, distilled herbs, and flowers' water.

Noauv is the first lady at the right side of the picture; she is wearing a black top with white and tan circles.

As for the other group members: Adal is the first from the left, Racha is wearing the beige shirt, and Dalia is the lady with red stripes top.

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
  • 86
    View loans »
    Lebanon Loans Fundraising
  • $19,258,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Rafi Group's $3,300 loan helped a member to buy current season's products, such as fruits and herbs, to conserve for the upcoming season.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 20, 2013
Sep 23, 2013
Currency Exchange Loss:
Aug 17, 2014