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Al Ikhlas 1 Group
In this Group: Maryam, Khadija, Ayat
Maryam is the featured representative of Al Ikhlas 1 group. She and the other members of this group loan are best friends, and they’ve acquired a loan from Kiva’s field partner Al Majmoua so that they can improve their livelihoods together.

Maryam is a 57-year-old widowed mother of nine. After the death of her husband she struggled to provide her children with good living standards. She is a tailor and has been working in a tailoring factory since 2004. She has learned this profession from her parents who have trained her well. At first Maryam faced the challenge of making it to the factory's early working hours on time, but has since proved her reliability and commitment to her supervisors.

Maryam has also worked in agriculture for the past 10 years, and she puts so much effort on developing her own business properly to make sure she can acquire a good income.

Currently she is acquiring a loan from Kiva’s field partner Al Majmoua to pay the painting fees of her house to keep it a healthy living place. She is sitting in the far left side of the picture. Khadija is the lady wearing black at the far right side, while Ayat is the lady at the center.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Lebanon

  • $15,800
    Average annual income
  • 90
    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 Al Ikhlas 1 Group's $1,900 loan helped a member to pay the painting fees of her house to keep it a healthy living place.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 30, 2014
Jun 4, 2014
Currency Exchange Loss:
Apr 17, 2015