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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 $793,150 $974,373,275
Amount of raised Inactive loans $0 $467,200
Number of raised Inactive loans 0 226
Amount of Paying Back Loans $751,300 $146,999,875
Number of Paying Back Loans 520 183,418
Amount of Ended Loans $41,850 $826,906,200
Number of Ended Loans 38 1,039,590
Delinquency Rate 0.96% 8.26%
Amount in Arrears $5,102 $7,890,178
Outstanding Portfolio $530,649 $95,554,586
Number of Loans Delinquent 38 20,311
Default Rate 0.00% 1.39%
Amount of Ended Loans Defaulted $0 $11,517,049
Number of Ended Loans Defaulted 0 33,034
Currency Exchange Loss Rate 0.00% 0.45%
Amount of Currency Exchange Loss $0 $4,428,499
Refund Rate 0.19% 0.61%
Amount of Refunded Loans $1,500 $5,967,400
Number of Refunded Loans 1 5,984

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 76.09% 75.40%
Average Loan Size $1,422 $399
Average Individual Loan Size $1,422 $629
Average Group Loan Size $0 $1,759
Average number of borrowers per group 0 7.7
Average GDP per capita (PPP) in local country $4,900 $5,874
Average Loan Size / GDP per capita (PPP) 29.01% 6.79%
Average Time to Fund a Loan 11.76 days 6.9 days
Average Dollars Raised Per Day Per Loan $120.86 $57.75
  Average Loan Term 24.19 months 11.13 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 13 509,005
  Journaling Rate 32.20% 41.50%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.16

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 26.13% PY
  Profitability (return on assets) -5.2% 1.3% -1.72%
  Average Loan Size (% of per capita income) N/A 34.00% 16.65%

Country Fast Facts

Field Partner Staff

Saed Arafat
Hidaya Hassan
Mohammed Naffas