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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 $674,350 $924,529,300
Amount of raised Inactive loans $0 $593,750
Number of raised Inactive loans 0 270
Amount of Paying Back Loans $654,450 $140,766,350
Number of Paying Back Loans 458 171,616
Amount of Ended Loans $19,900 $783,169,200
Number of Ended Loans 20 980,000
Delinquency Rate 0.24% 8.28%
Amount in Arrears $1,249 $7,560,444
Outstanding Portfolio $520,437 $91,363,704
Number of Loans Delinquent 10 20,128
Default Rate 0.00% 1.37%
Amount of Ended Loans Defaulted $0 $10,717,799
Number of Ended Loans Defaulted 0 30,602
Currency Exchange Loss Rate 0.00% 0.46%
Amount of Currency Exchange Loss $0 $4,210,314
Refund Rate 0.00% 0.63%
Amount of Refunded Loans $0 $5,840,725
Number of Refunded Loans 0 5,906

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 75.28% 75.11%
Average Loan Size $1,411 $402
Average Individual Loan Size $1,411 $635
Average Group Loan Size $0 $1,781
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $4,900 $5,908
Average Loan Size / GDP per capita (PPP) 28.79% 6.81%
Average Time to Fund a Loan 12.56 days 6.96 days
Average Dollars Raised Per Day Per Loan $112.31 $57.80
  Average Loan Term 24.43 months 11.1 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 4 481,120
  Journaling Rate 50.00% 41.64%
  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 26.15% PY
  Profitability (return on assets) -5.2% 1.3% -0.05%
  Average Loan Size (% of per capita income) N/A 34.00% 17.77%

Country Fast Facts

Field Partner Staff

Hidaya Hassan
Nada Nabud
Mohammed Naffas