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 $24,514,275 $1,411,965,700
Amount of raised Inactive loans $0 $3,148,600
Number of raised Inactive loans 0 623
Amount of Paying Back Loans $7,507,400 $150,192,800
Number of Paying Back Loans 3,597 195,744
Amount of Ended Loans $17,006,875 $1,258,624,300
Number of Ended Loans 10,829 1,627,010
Delinquency Rate 18.12% 26.10%
Amount in Arrears $886,804 $24,507,566
Outstanding Portfolio $4,506,973 $93,911,247
Number of Loans Delinquent 3,300 131,420
Default Rate 0.23% 1.76%
Amount of Ended Loans Defaulted $39,589 $22,187,519
Number of Ended Loans Defaulted 81 53,814
Currency Exchange Loss Rate 0.00% 0.39%
Amount of Currency Exchange Loss $0 $5,484,508
Refund Rate 0.16% 0.63%
Amount of Refunded Loans $38,550 $8,892,600
Number of Refunded Loans 21 8,400

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 39.40% 76.46%
Average Loan Size $1,700 $394
Average Individual Loan Size $1,700 $611
Average Group Loan Size $0 $1,762
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $4,900 $5,743
Average Loan Size / GDP per capita (PPP) 34.68% 6.86%
Average Time to Fund a Loan 10.33 days 7.19 days
Average Dollars Raised Per Day Per Loan $164.48 $54.80
  Average Loan Term 24.76 months 11.38 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1,566 869,325
  Journaling Rate 12.47% 43.35%
  Average Number of Comments Per Journal 0.02 0.03
  Average Number of Recommendations Per Journal 0.03 0.74

Borrowing Cost Comparison (based on 2016 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 15% PY 30.00% PY 25.90% PY
  Profitability (return on assets) 1.9% 1.3% -2.02%
  Average Loan Size (% of per capita income) 129.30% 34.00% 12.51%

Country Fast Facts

Field Partner Staff

Fares Abdel Nour
Lubna Aboudi
Repayment Reporting API
Bessan Awwad
Hanaysheh, Dana