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

Status update - January 16, 2018

Kiva recently re-assessed the level of risk associated with loans from this Field Partner. During this process, our analysts gathered updated operational and financial information about the institution, spoke with key members of the staff and analyzed the Field Partner’s loan products. As a result, Al Ibdaa's risk rating is now listed as 1.5 stars instead of 2.5 stars. The primary reasons for this change in rating are poor portfolio quality due to insufficient operational controls and subsequent restructuring of the organization to improve the situation. While their risk rating is being lowered, Kiva analysts feel confident that Al Ibdaa's reorganization will help address the concerns found in our most recent risk assessment.

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 $951,700 $1,330,802,700
Amount of raised Inactive loans $0 $547,125
Number of raised Inactive loans 0 685
Amount of Paying Back Loans $70,600 $147,970,550
Number of Paying Back Loans 40 195,474
Amount of Ended Loans $881,100 $1,182,285,025
Number of Ended Loans 614 1,522,055
Delinquency Rate 9.91% 10.42%
Amount in Arrears $2,424 $9,802,012
Outstanding Portfolio $24,449 $94,101,479
Number of Loans Delinquent 19 55,529
Default Rate 1.02% 1.74%
Amount of Ended Loans Defaulted $8,958 $20,609,355
Number of Ended Loans Defaulted 7 50,258
Currency Exchange Loss Rate 0.00% 0.39%
Amount of Currency Exchange Loss $0 $5,175,709
Refund Rate 0.32% 0.59%
Amount of Refunded Loans $3,000 $7,878,725
Number of Refunded Loans 2 7,776

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 74.92% 76.40%
Average Loan Size $1,455 $394
Average Individual Loan Size $1,455 $609
Average Group Loan Size $0 $1,761
Average number of borrowers per group 0 7.7
Average GDP per capita (PPP) in local country $4,900 $5,776
Average Loan Size / GDP per capita (PPP) 29.70% 6.82%
Average Time to Fund a Loan 11.74 days 7.13 days
Average Dollars Raised Per Day Per Loan $123.95 $55.26
  Average Loan Term 23.72 months 11.34 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 29 789,496
  Journaling Rate 4.62% 43.17%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.81

Borrowing Cost Comparison (based on 2017 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 44% APR 30.00% PY 25.36% PY
  Profitability (return on assets) -0.3% 1.3% -1.96%
  Average Loan Size (% of per capita income) N/A 34.00% 12.88%

Country Fast Facts

Field Partner Staff

Alaa' Khateeb
Riham Wahidi
Mohammed Zurub