Last Updated April 3, 2013

Partner Description:

FATEN is a non-profit organization that provides micro- and small loans to economically-active entrepreneurs in Palestine. Originally founded as program of the Save the Children Federation, FATEN spun off and became completely independent in 1999.


Initially, FATEN served only women micro-entrepreneurs, but has grown to include men as well. Now it operates through 20 branches across the West Bank and Gaza. Its growing staff travels extensively to towns, villages and refugee camps throughout the regions surrounding its branch offices.


FATEN aims to expand financial access for marginalized communities. It also supports projects in new and existing economic sectors, as well as farmers who own land isolated by Israel’s separation wall. To ensure that people benefit from their loans, FATEN provides considerable follow-up services too.



Since its inception, FATEN has focused on social responsibility. This extends to humanitarian, developmental, environmental, educational and health initiatives, in addition to economic outreach for women and youth. 80% of the beneficiaries that have received loans from FATEN are women.



FATEN’s unique lending approach

FATEN’s credit products include group, environmental, small investor and housing improvement loans.  The institution has also launched some products to target young people in Palestine.  Student and computer loans help Palestinian youth to reach upper education levels and to obtain diplomas. This success qualifies them to access labor markets and to secure brighter futures for themselves and families.  FATEN also conducts workshops to collect feedback from borrowers to be used in development of new loan products.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jun 18, 2009 Oct 12, 2005
Total Loans $6,092,650 $591,510,100
Amount of raised Inactive loans $0 $801,625
Number of raised Inactive loans 0 640
Amount of Paying Back Loans $2,590,950 $116,887,025
Number of Paying Back Loans 1,793 124,445
Amount of Ended Loans $3,501,700 $473,821,450
Number of Ended Loans 2,065 601,157
Delinquency Rate 3.75% 4.15%
Amount in Arrears $61,928 $3,134,116
Outstanding Portfolio $1,649,474 $75,521,492
Number of loanDelinquent 814 14,058
Default Rate 0.65% 1.13%
Amount of Ended Loans Defaulted $22,649 $5,346,749
Amount of Ended Loans $3,501,700 $473,821,450
Number of Ended Loans Defaulted 41 16,817
Currency Exchange Loss Rate 0.00% 0.09%
Amount of Currency Exchange Loss $0 $538,403
Refund Rate 0.21% 0.77%
Amount of Refunded Loans $12,850 $4,537,625
Number of Refunded Loans 10 5,064

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 42.09% 74.18%
Average Loan Size $1,578 $418
Average Individual Loan Size $1,578 $655
Average Group Loan Size $0 $1,828
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $2,900 $3,429
Average Loan Size / GDP per capita (PPP) 54.43% 12.20%
Average Time to Fund a Loan 9.49 days 5.6 days
Average Dollars Raised Per Day Per Loan $166.38 $74.70
  Average Loan Term 21.3 months 10.35 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 139 296,133
  Journaling Rate 6.20% 42.36%
  Average Number of Comments Per Journal 0.22 0.08
  Average Number of Recommendations Per Journal 0.31 1.87

Borrowing Cost Comparison (based on 2012 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 19% PY 30.00% PY 33.27% PY
  Profitability (return on assets) 5.3% 1.3% -1.45%
  Average Loan Size (% of per capita income) 129.30% 34.00% 40.88%

Country Fast Facts

Field Partner Staff

Fares Abdel Nour
Fawz Abuhijleh
Kathy Guis
Yusra Jamous
Hind Jarrar
Amani Zaid