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Gagay Group
In this Group: Modesta, Darlina, Gemma, Imelda
Modesta is the featured representative of the Gagay group. She and the other group members are best friends who left their home country, the Philippines, to search for better work opportunities in Lebanon. They are very devoted to each other, which is why they got together to acquire a loan from Kiva’s field partner Al Majmoua.

Modesta is a 56-year-old married mother of four. She struggled to provide for her children back home, so she decided to move abroad to increase her income, through working as a housekeeper. She misses her children a lot and hopes to join them again one day. She is acquiring a loan from Kiva's field partner Al Majmoua in order to send some money to her family to pay for her children's school tuition fees. Modesta is the second lady standing on the far left side, Gemma is the first from the left, Imelda is the second from the right with the red top and Darlina is the first on the right.

Additional Information

More information about this loan

This loan helps Palestinian refugees living in Lebanon, specifically in refugee camps throughout the country. Palestinian refugee camps in Lebanon often have poor infrastructure and do not receive the same basic services as the rest of the country. Palestinian refugees have been marginalized by the Lebanese government and society, as they face many restrictions and discrimination in the work, educational, and health fields. By funding this loan, you are helping these marginalized individuals develop their businesses and provide for their families.

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
  • 32
    View loans »
    Lebanon Loans Fundraising
  • $19,505,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Gagay Group's $1,500 loan helped a member to pay for her children's school tuition fees.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 18, 2014
Jul 11, 2014
Currency Exchange Loss:
Dec 17, 2014