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Hiyam is a 53-year-old widowed mother of three children who has been struggling and fighting for her beloved children since her dear husband passed away 15 years ago.

Hiyam is a hard working woman with an excellent reputation in her region. She is well known for the sacrifices that she does in order to make sure that her children have the necessary standard of living.

Hiyam has been running her convenience store for 15 years and she is managing it properly. Today, since her family's needs are increasing and her customers' requests are becoming wider, she is acquiring a loan from Kiva partner Al Majmoua to increase her business merchandise with special offer products, especially spring and summer special release offers. This product diversification will attract new customers and satisfy their desires.

Hiyam is sure that the acquired loan will help her improve her children's living conditions and cover most of their needs in a well-managed way.

She hopes that in the future, she can keep on expanding and diversifying her business products to turn her moderate convenience store into a supermarket that covers almost all of her customers' needs.

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.


About Lebanon

  • $15,800
    Average annual income
  • 132
    View loans »
    Lebanon Loans Fundraising
  • $18,176,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $3,000 helped Hiyam to buy special offer products to sell.
91% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jan 23, 2014
Feb 23, 2014
Currency Exchange Loss: