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Lebanon > Ameen s.a.l.


Ameen started in 1999 in Lebanon as a micro-credit program funded by USAID under the patronage of CHF International, a non-profit organization working in more than 35 countries. Evolving sucessfully from a program to a company, Ameen s.a.l. is today a Lebanese financial institution specicialized in Microfinance. Our goal at Ameen s.a.l. is simple : contribute to the economic and social development of the community. With this objective in mind, Ameen provides financial services to micro-entrepreneurs and low-income households to help them develop their businesses and improve their living standards. Ameen offers financial services that meet its clientele needs. These consist of loans for Businesses, Housing and Consumer necessities. Ameen's beneficiaries work in varied sectors and include activities such as handcraft, trade, services, small industries and agriculture to name but a few. Since Ameen’s inception over 26,000 micro-entrepreneurs and low-income households have benefited from its services, with more than 68 million US dollars disbursed representing over 52,000 loans. Supported by a dedicated team of professionals, Ameen currently partners with 4 local banks in more than 67 branches with an outreach spreading all over the Lebanese territory from Beirut and its suburbs, to the Bekaa valley, the South, Mount Lebanon and the North.

Kiva Help Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Sep 16, 2008 Oct 12, 2005
Total Loans $555,900 $101,929,710
Amount of Raised Inactive Loans $0 $111,475
Number Of Raised Inactive Loans 0 164
Amount of Paying Back Loans $536,000 $44,703,125
Number Of Paying Back Loans 512 63,327
Amount of Ended Loans $19,900 $57,115,110
Number Of Ended Loans 20 83,635
Delinquency Rate 1.85% 4.28%
Amount of Paying Back Loans Delinquent $9,903 $1,913,000
Amount of Paying Back Loans $536,000 $44,703,125
Number of Paying Back Loans Delinquent 15 6,018
Default Rate 0.00% 1.96%
Amount of Ended Loans Defaulted $0 $1,119,957
Amount of Ended Loans $19,900 $57,115,110
Number Of Ended Loans Defaulted 0 3,369
Currency Exchange Loss Rate 0.00% 0.00%
Amount of Currency Exchange Loss $0 $0
Refund Rate 0.22% 1.09%
Amount of Refunded Loans $1,200 $1,112,375
Number Of Refunded Loans 1 1,446
Updated as of November 21, 2009 12:44 AM

Kiva Help Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Entrepreneurs 30.04% 78.21%
Average Loan Size $1,041 $403
Average Individual Loan Size $1,046 $591
Average Group Loan Size $850 $1,494
Average Number Of Entrepreneurs Per Group 2 0
Average GDP Per Capita (PPP) in Local Country $5,900 $3,465
Average Loan Size / GDP Per Capita (PPP) 17.71% 11.64%
Average Time To Fund A Loan 5.38 days 2.27 days
Average Dollars Raised Per Day Per Loan $193.55 $177.73
  Average Loan Term 11.74 months 9.31 months
Updated as of November 21, 2009 12:44 AM

Kiva Help Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 42 51642
Journal Coverage 7.89% 28.22%
Journal Coverage, Kiva Fellows 0.00% 0.21%
  Journal Frequency (Average Per Loan Per Year) 0.20 0.32
  Average Number Of Recommendations Per Journal 12.64 10.30
Updated as of November 21, 2009 12:44 AM

Kiva Help Borrowing Cost Comparison

    This Field Partner Median for MFI Peers in Country All Kiva Partners
  Average Interest Rate and Fees Borrowers Pay (Portfolio Yield) 34% 32% 35.21%
  Average Loan Size (% of Per Capita Income) 15% 15% 23.43%
  Average Partner Return On Assets 1% 2% 0.24%

Field Partner Staff

Celine Adas
mostafa akkawi
Ziad Halaby
Bassam Jardaly
Mirna Nader
Dalia Ouaidat
Hasan Safa
Lena Safi

Kiva Help Country Fast Facts

Country: Lebanon
Capital: Beirut
Official Language: Arabic (official), French, English, Armenian
Population: 3,925,502
Avg Annual Income: $5,900
Labor Force: agriculture: NA% industry: NA% services: NA%
Population Below Poverty Line: 28%
Literacy Rate: 87.4%
Infant Mortality Rate (per 1000): 23.39 deaths/1,000 live births deaths
Life Expectancy: 73.15 years years
Currency: United States Dollars