Al Tadamun is keen to fulfill its mission by diversifying the services offered to its clients

1.2Million

Served Clients

158,896

Active Clients

50

Branches in Egypt

1

Group Loan Product

Al Tadamun offers group solidarity lending, exclusively to micro-scale women entrepreneurs with small, individual, and multiple cycle working capitals to improve their enterprises.

Lending Criteria

  • Have an Egyptian nationality and a valid identification card
  • The client must be 18+ years old.
  • She has an ongoing project for a year.

Loan Characteristics

  • Loan size per client (EGP): From 4,000 to 6,000 "Each client per group"
  • Group size: From 5 to 9 women
  • Loan term: From 10 to 12 months
  • Repayment frequency: Every two weeks
  • Administrative fees: 2.6% per month
  • Guarantees: Group guarantee
2

Individual Loan Product

The Individual Loan was launched in 2015 to support a diversified range of individual financing products. The individual loan is based on clients’ actual needs and repayment capacity. Loan analysts will study the client’s project by determining, verifying and critically analyzing business income, expenditure and outlook to ensure its capability to acquire the loan.

Lending Criteria

  • Have an Egyptian nationality and a valid identification card
  • The client must be 21+ years old.
  • She has an ongoing project for a year.
  • Her project size must be more than 6,000 EGP for service projects and 7,000 EGP for trade projects.
  • Has acceptable managerial skills in managing a project

Loan Characteristics

  • Loan size per client (EGP): From 8,000 to 50,000
  • Loan term: From 10 to 18 months
  • Repayment frequency: Every month
  • Administrative fees: 1.91% per 4 weeks
  • Guarantees: One working guarantor
3

Family Loan Product for Machinery - Equipment & Vehicles

The Family Loan for Equipment, Machinery & Vehicles has just been launched as of March 2018 as a pilot product in two of Al Tadamun's branches in Greater Cairo, El Warak, and East Shoubra El Khaima. The objective of the new product is to support a diversified range of equipment, machinery and vehicles, such as; sewing machines, photo copying machines display fridges, plastic cutters, tricycles, and motor bicycles. The new product is based on clients' actual needs and repayment capacity.

Lending Criteria

  • Have an Egyptian nationality and a valid identification card
  • The client must be 21+ years old.
  • She has an ongoing project for a year.

Loan Characteristics

  • Loan size per client (EGP): From 5,000 to 50,000
  • Loan term: From 6 to 24 months
  • Repayment frequency: Every month
  • Administrative fees: 2% per 4 weeks
  • Guarantees: Two working guarantors

Non-Financial Services

Al Tadamun started offering a non-financial service to its clients during 2014. This includes the participation in local trade fairs, which is an excellent opportunity for clients to market their products through a new market channel and to expand their network. By end of December 2017, a total of 115 active clients have benefited from this service. Al Tadamun is aiming to expand this service and to participate in more trade fairs to serve a larger number of clients.

What Our Clients Say?

  • 1153
    My husband is a fisherman and I have a restaurant and decided to take a loan from Al Tadamun to open another branch Sabah, Al Tadamun Client
  • 1132
    My sister, son and myself are working in the production of baskets made of frond which is very interesting. Daily, we produce about 150 baskets. Karima, Al Tadamun Client
  • 1119
    I'd like to develop myself to sustain my place in the market, thats why I took a loan from Al Tadamun Foundation to expand my project Heba – Al Tadamun Client
  • 1116
    Work is not a shame and whoever has a project in mind, nothing would stop her as she can start it by taking a loan. We have to struggle in life because no one will give you any support Laila – Al Tadamun Client
  • 1067
    My husband has seven sewing machines; it is my responsibility to care about the daily work-flow as well as the ladies working with us. Our dream is expanding our business and to become a well known brand. Vevian Gamal, Al Tadamun Client
  • 1033
    I have five children and I have to pay for their expenses. I am a good cook. If a woman is talented, she has to work hard to develop her talent and definitely she will earn money Amira Salah – Al Tadamun Client
  • 1016
    Onions have very important benefits in cooking, skin care products and medicines as well, it is also exported. Egypt is wealthy with natural and human resources but they need optimal utilization. Waffaa Sadek, Al Tadamun Client
  • 943
    I love sewing so much. I care about the quality and finishing for my products because these factors play an important role in clarifying the difference between good and bad products Sabah Selim, Al Tadamun Clients
  • 934
    The loan that we have taken from Al Tadamun brought luck to us, we opened our second restaurant, “Fierce competition does not make the one with the least effort survive” Soheer Goda, Al Tadamun Client
  • 513
    "I'm sure that any person can earn money but we have to be compassionate and take care of our reputation to give the most benefits to people." Waffa – Al Tadamun Clients
  • 509
    "Develop your talent and take care of your conscience in selling and buying" Aicha – Al tadamun Client
  • 507
    "It is normal to start with a small project, but you have to concentrate on innovating your products to stay competitive in the market" Sabreen – Al Tadamun Clients
  • 505
    "Any woman with limited income must know that she has a mind and hands to work with them and that God never wastes efforts" Naglaa – Al Tadamun Client
  • 503
    "Every woman has to know that she is strong, and she can work, produce, raise respectable children when she can depend on in hard times" Amira – Al Tadamun Client
  • 501
    "She who works with her own hands, will never be vulnerable" Amina – Al Tadamun client