LCD as a credit cooperative that aims at financing individual projects by granting loans with low interest rates to strengthen the entrepreneurial spirit within the country.

• The Decision Making Process
• The Financing of the Project
• The Prospective Client and his Role
• The Various Financed Projects
• The Areas Serviced by the Project Results
• Completed projects in 2006
• The Status of LCD’s Future Projects

The Decision Making Process

1. Project site by General Director
2. Applicants’ Project File studied by General Director
3. File submitted to Committee of Credit Allocators with comments and
   recommendations made by the General Director.
4. File submitted to Committee of commissioners with comments and
   recommendations made by the General Director.
5. File submitted to Board of Directors with comments from committees of
   credit allocators and of commissioners.
6. Approval or projections of Project File by the Board of Director.

The Financing of the Project

Financing loans for the project may be done in two ways:

1. Through local resources: contributions from:

-  Lebanese donors within the country ensure fund raising activities for the cooperative. Each donor contributes a minimum of two thousand US dollars.

- Activities carried out by the cooperative have included a Majida El Roumi concert and a lottery.

2. Through international resources : Contributions from international charity organizations and from lebanese emigrants may be made by establishing contacts and explaining LCD’s objectives.

The Prospective Client and his Role  

The prospective clients are Christians, displaced from their regions. The loans are to allow the displaced to return to the regions to set up projects, to create economic activities within the region and to profit.


The Various Financed Projects

1. Agriculture
   * Animal Farming
   * Produce Farming : - Green house
                                  - Land cultivation farming
   * Equipment for farming : - Tractors
                                        - Others

2. Business
   * Woodwork
   * Trade
   * Transport
   * Others

1.Chouf Region :
   Majdel Meouch – Kfarnis – Biret – Rmeileh – Beiteddine – Naameh    – Mreijat – Debbiyeh – Dahr el- Mighara –Jadra

2. Aley Region:
    Rechmaya – Bserrine – Chartoun – Remhala – Bhamdoun

3. Nabatieh Region :
    Kfaroua – Kfour – Sarba

4. Bekaa Region:
    Ablah – Btedii – Bar Elias – Barka – Klayat – Deir el Ahmar – Aytanit- Al   
    Ferzel

5. Jezzine Region:
    Baysour – Wadi Baankoudine – Kfarjarra

6. Upper Metn Region:
    Hammana – Bzebdine – Jouar el- Houz – Chebanieh – Chourit

7.Bint Jbeil Region:
   Rmeich – Debl – Aïn Ebl – El Kawzah

8. Accar Region:
    Menjiz – Kobayat – Tleil – Beit Mallat – Bkarzala – Ilet

9. Saida Region:
    Hajji – Maamarieh – Aytanit – Darb El Sim – Tambourit – Baysour

10. Batroun Region
    
11. Becharreh Region

12. Jbeil Region

The subdivided regions of Lebanon as seen on map

Akkar – Batroun – Bekaa – Beirut – Aley – Chouf – Nabatieh – Jezzine – Saida.

Completed project in 2009

In 2009 the Lebanese Cooperative for Development (LCD) allocated 56 Loans for a total amount of :
                                                                                                                            337.500.000 L.L.+473.700$
Those loans were granted to different economic sectors and regions of Lebanon.

At the date of 31/12/2009
Interest Rate : Between 6.5% and 8.5%
Amount of Loans : Between 1,000$ and 20,000$
                                         1,000.000 LL and 10,000,000LL


Percentage of allocated loans/Distribution by activity region:

Percentage of allocated loans/Distribution by activity sector:

Percentage of allocated loans / Distribution by activity sector:

Providing new loans could be achieved only if new committed members continue to show interest.
Our community is in a great need.