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

FATEN is a non-profit organization that provides micro- and small loans to economically-active entrepreneurs in Palestine. Originally founded as program of the Save the Children Federation, FATEN spun off and became completely independent in 1999.

Initially, FATEN served only women micro-entrepreneurs, but has grown to include men as well. Now it operates through 20 branches across the West Bank and Gaza. Its growing staff travels extensively to towns, villages and refugee camps throughout the regions surrounding its branch offices.

FATEN aims to expand financial access for marginalized communities. It also supports projects in new and existing economic sectors, as well as farmers who own land isolated by Israel’s separation wall. To ensure that people benefit from their loans, FATEN provides considerable follow-up services too.

Since its inception, FATEN has focused on social responsibility. This extends to humanitarian, developmental, environmental, educational and health initiatives, in addition to economic outreach for women and youth. 80% of the beneficiaries that have received loans from FATEN are women.

FATEN’s unique lending approach

FATEN’s credit products include group, environmental, small investor and housing improvement loans.  The institution has also launched some products to target young people in Palestine.  Student and computer loans help Palestinian youth to reach upper education levels and to obtain diplomas. This success qualifies them to access labor markets and to secure brighter futures for themselves and families.  FATEN also conducts workshops to collect feedback from borrowers to be used in development of new loan products.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jun 18, 2009 Oct 12, 2005
Total Loans $14,271,800 $975,810,275
Amount of raised Inactive loans $0 $371,525
Number of raised Inactive loans 0 200
Amount of Paying Back Loans $5,334,375 $148,104,675
Number of Paying Back Loans 3,208 185,027
Amount of Ended Loans $8,937,425 $827,334,075
Number of Ended Loans 5,930 1,040,066
Delinquency Rate 1.28% 8.11%
Amount in Arrears $45,159 $7,851,124
Outstanding Portfolio $3,515,112 $96,754,167
Number of Loans Delinquent 313 19,647
Default Rate 0.34% 1.39%
Amount of Ended Loans Defaulted $30,538 $11,517,921
Number of Ended Loans Defaulted 62 33,035
Currency Exchange Loss Rate 0.00% 0.45%
Amount of Currency Exchange Loss $0 $4,428,501
Refund Rate 0.14% 0.61%
Amount of Refunded Loans $20,100 $5,970,900
Number of Refunded Loans 14 5,987

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 35.69% 75.40%
Average Loan Size $1,562 $399
Average Individual Loan Size $1,562 $629
Average Group Loan Size $0 $1,760
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) 31.87% 6.79%
Average Time to Fund a Loan 10.19 days 6.9 days
Average Dollars Raised Per Day Per Loan $153.31 $57.76
  Average Loan Term 23.64 months 11.13 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 709 509,580
  Journaling Rate 11.30% 41.50%
  Average Number of Comments Per Journal 0.05 0.05
  Average Number of Recommendations Per Journal 0.07 1.16

Borrowing Cost Comparison (based on 2014 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 17% PY 30.00% PY 26.13% PY
  Profitability (return on assets) 1.7% 1.3% -1.72%
  Average Loan Size (% of per capita income) 129.30% 34.00% 16.60%

Country Fast Facts

Field Partner Staff

Fares Abdel Nour
Bessan Awwad
Dana H
Ahmad Nimer