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:

Ryada was founded in 1994 as a program of CHF International to offer microfinance products in Palestine and provide services to low- and moderate-income businesses, home owners and consumers in the West Bank and Gaza. The organization targets clients who cannot access credit from commercial banking institutions.

In 2012, Ryada’s outstanding portfolio reached US$14.4 million, and it was able to achieve a record-low at-risk percentage of 1.4% -- lower than other Palestinian microfinance institutions. Currently, it is one of the largest microfinance providers in the West Bank and Gaza.Ryada provides loans for housing, small businesses, young entrepreneurs and household needs. To date, the institution has disbursed US$100 million in loans, improving housing for 15,000 families, helping 6,200 small businesses grow, and impacting even more lives.

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The institution partners with Palestine’s 6 major banks to operate its microfinance programs and build its profile as a solid investment business. Ryada has partnered with Kiva since 2008 and is now an active member of Palestinian microfinance network Sharakeh and Arabic microfinance network Sanabel, as well as MIX Market.

In the next five years, Ryada aims to register as a for-profit company, serve upwards of 17,000 clients, and reach an outstanding portfolio of $39 million.

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Images courtesy of Ryada.


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Nov 24, 2008 Oct 12, 2005
Total Loans $1,919,000 $605,131,875
Amount of raised Inactive loans $0 $550,950
Number of raised Inactive loans 0 463
Amount of Paying Back Loans $848,250 $119,988,900
Number of Paying Back Loans 405 129,496
Amount of Ended Loans $1,070,750 $484,592,025
Number of Ended Loans 525 612,495
Delinquency Rate 1.39% 4.07%
Amount in Arrears $7,488 $3,185,471
Outstanding Portfolio $540,420 $78,210,022
Number of loanDelinquent 76 13,785
Default Rate 0.59% 1.11%
Amount of Ended Loans Defaulted $6,340 $5,357,098
Amount of Ended Loans $1,070,750 $484,592,025
Number of Ended Loans Defaulted 7 16,819
Currency Exchange Loss Rate 0.00% 0.09%
Amount of Currency Exchange Loss $0 $572,888
Refund Rate 0.16% 0.75%
Amount of Refunded Loans $3,000 $4,553,925
Number of Refunded Loans 1 5,085

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 19.74% 74.22%
Average Loan Size $2,064 $419
Average Individual Loan Size $2,064 $656
Average Group Loan Size $0 $1,830
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $2,900 $3,423
Average Loan Size / GDP per capita (PPP) 71.19% 12.23%
Average Time to Fund a Loan 10.18 days 5.7 days
Average Dollars Raised Per Day Per Loan $202.85 $73.45
  Average Loan Term 25.98 months 10.4 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 52 302,176
  Journaling Rate 10.26% 42.40%
  Average Number of Comments Per Journal 0.54 0.08
  Average Number of Recommendations Per Journal 13.52 1.83

Borrowing Cost Comparison (based on 2012 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 16% PY 30.00% PY 33.28% PY
  Profitability (return on assets) 1.3% 1.3% -1.42%
  Average Loan Size (% of per capita income) 174.50% 34.00% 38.08%

Country Fast Facts

Field Partner Staff

Mahmoud Abed Al Rahman
Lina AL Khateeb
operations assistant
Eman Hassouneh
Eman Hassouneh
Amer Hidmi
Mervat Jaradat
Marwan Madia
Hala Naser
Lina Nasr
Alaa Sisalem
Nadin Zaghal