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 - 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 Field 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 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 $1,758,239,665
Amount of raised Inactive loans $0 $441,550
Number of raised Inactive loans 0 132
Amount of Paying Back Loans $0 $163,202,810
Number of Paying Back Loans 0 193,982
Amount of Ended Loans $951,700 $1,591,353,280
Number of Ended Loans 654 2,108,808
Delinquency Rate 0.00% 15.34%
Amount in Arrears $0 $15,585,726
Outstanding Portfolio $0 $101,609,202
Number of Loans Delinquent 0 72,330
Default Rate 0.94% 1.70%
Amount of Ended Loans Defaulted $8,958 $26,998,026
Number of Ended Loans Defaulted 7 70,224
Currency Exchange Loss Rate 0.00% 0.46%
Amount of Currency Exchange Loss $0 $9,202,644
Refund Rate 0.32% 0.57%
Amount of Refunded Loans $3,000 $9,961,195
Number of Refunded Loans 2 9,182

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 74.92% 77.81%
Average Loan Size $1,455 $389
Average Individual Loan Size $1,455 $594
Average Group Loan Size $0 $1,839
Average number of borrowers per group 0 8.2
Average GDP per capita (PPP) in local country $4,900 $5,628
Average Loan Size / GDP per capita (PPP) 29.70% 6.90%
Average Time to Fund a Loan 11.74 days 8.44 days
Average Dollars Raised Per Day Per Loan $123.95 $46.05
  Average Loan Term 23.72 months 11.38 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 29 1,071,973
  Journaling Rate 4.43% 42.48%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.62

Borrowing Cost Comparison (based on 2009 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 44% APR 30.00% PY 26.11% PY
  Profitability (return on assets) N/A 1.3% 0.00%
  Average Loan Size (% of per capita income) N/A 34.00% 0.00%

Country Fast Facts

Field Partner Staff