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Charming Group
In this Group: Joni, Finah, Melencia, Ofelia
Joni is the featured borrower of Charming group. She got together with the other group members to acquire a loan from Kiva partner Al Majmoua because they have always been best friends since they left their hometown in the Philippines. They left the Philippines to work as housekeepers to improve and develop their families' living.

Joni is the first lady standing at the far left side of picture, wearing a black jacket. She is a 46-year-old widowed mother of one child. She works as a housekeeper to provide her only child with the best education and living, since she is his sole breadwinner.

Joni is acquiring a loan from Kiva partner Al Majmoua to send the money to her child back there in Philippines to cover his needs.

As for the other group members, Finah is the second from the left, Melencia is the second from the right with a grey jeans jacket, and Ofelia is the first on the right.

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
  • 87
    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 Charming Group's $1,600 loan helped a member to send money to her child back in the Philippines to cover his needs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 27, 2013
Nov 26, 2013
Currency Exchange Loss:
May 17, 2014