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

Status update - March 2, 2021

Kiva and Al Ibdaa Palestine have agreed to end their partnership after nearly 6 years and more than $900,000 in loans raised. This partner has repaid its outstanding balance to Kiva in full, and these funds have been distributed to lenders. We thank Al Ibdaa for the years of collaboration and wish them success in their future endeavors.

Status update - June 25, 2020

Kiva has moved this Lending Partner to inactive status to reflect the fact that Al Ibdaa is not currently fundraising loans on Kiva. Kiva fully expects the partner to continue to send repayments owed to Kiva lenders as long as the partner has an outstanding balance. If and when this partner requests to fundraise again on Kiva, Kiva will first conduct any additional monitoring and due diligence tasks we believe necessary.


Status update - January 16, 2018

Kiva recently re-assessed the level of risk associated with loans from this Lending 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 Lending 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 Lending Partner All Kiva Partners
  Start Date On Kiva Sep 17, 2015 Oct 12, 2005
Total Loans $951,700 $2,043,632,365
Amount of raised Inactive loans $0 $314,375
Number of raised Inactive loans 0 175
Amount of Paying Back Loans $0 $159,113,005
Number of Paying Back Loans 0 191,440
Amount of Ended Loans $951,700 $1,843,318,805
Number of Ended Loans 654 2,482,233
Delinquency Rate 0.00% 12.31%
Amount in Arrears $0 $12,068,428
Outstanding Portfolio $0 $98,006,179
Number of Loans Delinquent 0 65,730
Default Rate 0.94% 1.83%
Amount of Ended Loans Defaulted $8,958 $33,658,280
Number of Ended Loans Defaulted 7 88,833
Currency Exchange Loss Rate 0.00% 0.47%
Amount of Currency Exchange Loss $0 $12,608,670
Refund Rate 0.32% 0.54%
Amount of Refunded Loans $3,000 $10,936,620
Number of Refunded Loans 2 9,669

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 74.92% 78.46%
Average Loan Size $1,455 $393
Average Individual Loan Size $1,455 $586
Average Group Loan Size $0 $1,910
Average number of borrowers per group 0 8.3
Average GDP per capita (PPP) in local country $4,900 $5,593
Average Loan Size / GDP per capita (PPP) 29.70% 7.02%
Average Time to Fund a Loan 11.74 days 9.11 days
Average Dollars Raised Per Day Per Loan $123.95 $43.11
  Average Loan Term 23.72 months 11.5 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 29 1,218,131
  Journaling Rate 4.43% 41.90%
  Average Number of Comments Per Journal 0.00 0.02
  Average Number of Recommendations Per Journal 0.00 0.55

Borrowing Cost Comparison (based on 2017 data)

    This Lending Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 44% APR 30.00% PY 26.44% PY
  Profitability (return on assets) 1.7% 1.3% -1.35%
  Average Loan Size (% of per capita income) N/A 34.00% 0.00%

Country Fast Facts

Lending Partner Staff