Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner description:
Alibdaa Microfinance is a microfinance institution in Palestine with the goal of increasing entrepreneurial activity, especially among women, by providing sustainable financial services. They currently work in 5 areas within the West Bank, focusing on small villages and more rural areas. Alibdaa seeks to keep their loans small in order to reach the neediest populations in Palestine. Alibdaa is also the first Palestinian MFI working in East Jerusalem, something that was made possible through a partnership with a local women's center in the city's Shuafat Refugee Camp.

A unique lending approach:

Alibdaa’s main loan product will be their Sayedati loan, a small loan which targets women who might otherwise be unable to receive loans. In addition to the Sayedati product, Alibdaa will post youth loans and business loans targeting microentrepreneurs in their first loan cycle. Alibdaa also works to provide numerous pay points and electronic payment options, ensuring that clients in rural areas do not need to travel far to make monthly repayments.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Sep 17, 2015 Oct 12, 2005
Total Loans $710,850 $937,085,725
Amount of raised Inactive loans $0 $481,375
Number of raised Inactive loans 0 395
Amount of Paying Back Loans $689,950 $142,565,375
Number of Paying Back Loans 481 174,548
Amount of Ended Loans $20,900 $794,038,975
Number of Ended Loans 21 994,782
Delinquency Rate 0.38% 8.01%
Amount in Arrears $2,026 $7,450,579
Outstanding Portfolio $534,078 $93,041,684
Number of Loans Delinquent 16 19,358
Default Rate 0.00% 1.40%
Amount of Ended Loans Defaulted $0 $11,137,050
Number of Ended Loans Defaulted 0 31,506
Currency Exchange Loss Rate 0.00% 0.46%
Amount of Currency Exchange Loss $0 $4,278,396
Refund Rate 0.21% 0.63%
Amount of Refunded Loans $1,500 $5,887,300
Number of Refunded Loans 1 5,924

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 75.58% 75.18%
Average Loan Size $1,416 $401
Average Individual Loan Size $1,416 $634
Average Group Loan Size $0 $1,773
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $4,900 $5,898
Average Loan Size / GDP per capita (PPP) 28.90% 6.80%
Average Time to Fund a Loan 12.22 days 6.94 days
Average Dollars Raised Per Day Per Loan $115.86 $57.85
  Average Loan Term 24.43 months 11.1 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 12 486,312
  Journaling Rate 64.29% 41.50%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.20

Borrowing Cost Comparison (based on 2015 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 36% APR 30.00% PY 26.05% PY
  Profitability (return on assets) -5.2% 1.3% -0.31%
  Average Loan Size (% of per capita income) N/A 34.00% 17.73%

Country Fast Facts

Field Partner Staff

Saed Arafat
Hidaya Hassan
Nada Nabud
Mohammed Naffas
Meghan Warner