Page 1

‫ ة  دا  ر   ا  وا ر ‬

‫ﺹ وق ا  وا ‬ ‫‪QF-41-1-2‬‬

‫?رﻥ ا =ت ا‪ $%‬ا‪ 5‬وا‪2‬ری" وا‪9:; 12‬ام ‪٢٠٠٩ ، ٢٠٠٨‬‬ ‫ﻥ ة ﺵ ﺵ"ط ‪٢٠٠٩‬‬ ‫ول )‪ : (٢‬ا‪ $%‬اض ا "ﺵ ﺡ*) ا(ﺵ ‬

‫ول )‪ : (١‬ا‪ $%‬اض ا "ﺵ  ی ﺵ"ط‬ ‫‪:‬د ا ری‪X‬‬

‫ا ‪Z‬‬ ‫ا ‬ ‫ارﺏ‬ ‫ا‪N‬ر‪$‬ء‬ ‫ا"?ء‬ ‫ن‬ ‫ا‪ U‬ك‬ ‫ا‪V‬‬ ‫ا  ق‬ ‫دﺏ‬ ‫‪9Q:‬ن‬ ‫ ش‬ ‫ا?"‬ ‫ا ‪9 Q‬ع‬

‫‪  $‬ا ری‪X‬‬

‫‪2008‬‬ ‫‪84‬‬ ‫‪63‬‬ ‫‪46‬‬ ‫‪47‬‬ ‫‪16‬‬ ‫‪60‬‬ ‫‪19‬‬ ‫‪30‬‬ ‫‪28‬‬ ‫‪20‬‬ ‫‪34‬‬ ‫‪60‬‬

‫‪2009‬‬ ‫‪53‬‬ ‫‪52‬‬ ‫‪56‬‬ ‫‪44‬‬ ‫‪6‬‬ ‫‪27‬‬ ‫‪10‬‬ ‫‪20‬‬ ‫‪41‬‬ ‫‪18‬‬ ‫‪17‬‬ ‫‪3‬‬

‫‪467‬‬

‫‪347‬‬

‫‪2008‬‬ ‫‪313,041‬‬ ‫‪206,802‬‬ ‫‪150,401‬‬ ‫‪123,243‬‬ ‫‪21,800‬‬ ‫‪143,625‬‬ ‫‪71,000‬‬ ‫‪71,610‬‬ ‫‪127,300‬‬ ‫‪50,100‬‬ ‫‪81,550‬‬ ‫‪65,250‬‬

‫ ص ا ‬

‫‪2009‬‬ ‫‪234,719‬‬ ‫‪192,261‬‬ ‫‪126,930‬‬ ‫‪113,403‬‬ ‫‪46,500‬‬ ‫‪132,770‬‬ ‫‪38,079‬‬ ‫‪66,335‬‬ ‫‪111,150‬‬ ‫‪58,800‬‬ ‫‪52,675‬‬ ‫‪25,500‬‬

‫‪1,199,122 1,425,722‬‬

‫‪2008‬‬ ‫‪189‬‬ ‫‪134‬‬ ‫‪60‬‬ ‫‪64‬‬ ‫‪16‬‬ ‫‪85‬‬ ‫‪21‬‬ ‫‪38‬‬ ‫‪34‬‬ ‫‪36‬‬ ‫‪53‬‬ ‫‪20‬‬

‫‪2009‬‬ ‫‪99‬‬ ‫‪48‬‬ ‫‪73‬‬ ‫‪46‬‬ ‫‪7‬‬ ‫‪38‬‬ ‫‪12‬‬ ‫‪21‬‬ ‫‪44‬‬ ‫‪19‬‬ ‫‪20‬‬ ‫‪3‬‬

‫‪750‬‬

‫‪430‬‬

‫آﻥ‪9‬ن ‪I‬ﻥ‪E‬‬ ‫ﺵ"ط‬ ‫‪L‬ذار‬ ‫ﻥ*ن‬ ‫أیر‬ ‫ﺡ‪N‬ی ان‬ ‫ ‪9‬ز‬ ‫‪L‬ب‬ ‫أی‪9‬ل‬ ‫ ی‪ F‬أول‬ ‫ ی‪I F‬ن‬ ‫آﻥ‪9‬ن أول‬ ‫ا ‪9 Q‬ع‬

‫ول )‪ :(٣‬ا" ا‪ 6‬ا‪ $%‬ا‪ 1 5‬وق ‪7‬ی ﺵ"ط‬ ‫‪:‬د‬

‫ا" ا‪ 6‬ا‪ $%‬ا‪5‬‬

‫ا? ‬

‫‪2008‬‬ ‫‪%‬اد‬

‫‪2009‬‬ ‫ا? ‪%‬‬

‫‪2008‬‬

‫‪2009‬‬

‫‪2008‬‬

‫ ری‪ X‬أ اد )ی (‬

‫‪76‬‬

‫‪52‬‬

‫‪369,795‬‬

‫‪314,125‬‬

‫‪26.2% 15.0%‬‬

‫ ری‪ FU  X‬ا أة ا ی‬

‫‪244‬‬

‫‪187‬‬

‫‪372,000‬‬

‫‪484,000‬‬

‫‪40.4% 53.9%‬‬

‫أ‪*$‬ط =‪0‬ب ا‪Q‬ت ا ﺱ ‬

‫‪28‬‬

‫‪17‬‬

‫‪14,968‬‬

‫‪26,172‬‬

‫‪4.9%‬‬

‫‪2.2%‬‬

‫ ری‪ X‬ا\ اد ) ‪9V‬ی (‬

‫‪117‬‬

‫‪68‬‬

‫‪576,185‬‬

‫‪305,175‬‬

‫‪25.4% 19.6%‬‬

‫ =] ‪9‬ب ا? ‬

‫‪0‬‬

‫‪3‬‬

‫‪0‬‬

‫‪10,450‬‬

‫‪0.9%‬‬

‫‪0.9%‬‬

‫ﻥ_ة ا ^ون ا*‪ V‬‬

‫‪0‬‬

‫‪19‬‬

‫‪0‬‬

‫‪34,200‬‬

‫‪5.5%‬‬

‫‪2.9%‬‬

‫ ری‪ X‬ریدی‬ ‫ا ‪9 Q‬ع‬

‫‪2‬‬

‫‪1‬‬

‫‪92,774‬‬

‫‪25,000‬‬

‫‪0.3%‬‬

‫‪2.1%‬‬

‫‪100% 1,199,122 1,425,722 347‬‬

‫‪100%‬‬

‫ا  ‬ ‫آﻥ‪9‬ن ‪I‬ﻥ‪E‬‬ ‫ﺵ"ط‬

‫‪01‬ت ‪٢٠٠٨‬‬ ‫دی ر‬

‫‪850,918‬‬ ‫‪935,944‬‬

‫‪1,068,942‬‬ ‫‪909,617‬‬

‫ل ا ‪9‬‬ ‫‪%‬‬

‫‪%‬‬

‫‪26%‬‬

‫‪100%‬‬

‫‪747‬‬

‫ ‪9‬ز‬ ‫‪L‬ب‬ ‫أی‪9‬ل‬ ‫ ی‪ F‬أول‬

‫‪1,786,862‬‬

‫‪1,247‬‬

‫‪12,423 ,727‬‬

‫    ‪ //‬‬

‫    ‬

‫‪95,2 73,356‬‬

‫‪2,77 9,258‬‬

‫* ‪   !"#$  %    &:‬‬

‫ا‪ 12‬ا  ي ‪ F‬ا‪E %‬‬

‫أیر‬ ‫ﺡ‪N‬ی ان‬

‫‪1,978,559‬‬

‫    ‬

‫*     ‬

‫‪() *  +‬‬

‫‪1 70,000‬‬

‫‪$  ,$ -../‬‬

‫‪2 50,000‬‬

‫‪0$‬‬

‫‪12,843 ,727‬‬

‫‪1,94 3,598‬‬ ‫‪14,3 79,450‬‬ ‫‪111,5 96,404‬‬

‫‪2,77 9,258‬‬

‫ا‪!"#‬‬

‫‪100%‬‬

‫آ " ا) )دی‪%‬ر(‬

‫ﻡ‪ -./‬آ ا‪,‬وع )دی‪%‬ر(‬

‫ﻡل "‬

‫ا) ‪,‬وع )"‪/‬ﻡ‪,‬وع(‬

‫‪2008‬‬

‫‪2009‬‬

‫‪2008‬‬

‫‪2009‬‬

‫‪2008‬‬

‫‪2009‬‬

‫ا‬

‫‪1,656‬‬

‫‪2,371‬‬

‫‪3,727‬‬

‫‪4,429‬‬

‫‪2.25‬‬

‫‪1.87‬‬

‫ار ‬

‫‪1,543‬‬

‫‪4,005‬‬

‫‪3,283‬‬

‫‪3,697‬‬

‫‪2.13‬‬

‫‪0.92‬‬

‫ا ر ء‬ ‫اء‬

‫‪2,507‬‬

‫‪1,739‬‬

‫‪3,270‬‬

‫‪2,267‬‬

‫‪1.30‬‬

‫‪1.30‬‬

‫‪1,926‬‬

‫‪2,465‬‬

‫‪2,622‬‬

‫‪2,577‬‬

‫‪1.36‬‬

‫‪1.05‬‬

‫‪1,363‬‬

‫‪6,643‬‬

‫‪1,363‬‬

‫‪7,750‬‬

‫‪1.00‬‬

‫‪1.17‬‬

‫‪1,690‬‬

‫‪3,494‬‬

‫‪2,394‬‬

‫‪4,917‬‬

‫‪1.42‬‬

‫‪1.41‬‬

‫ا‬

‫‪3,381‬‬

‫‪3,173‬‬

‫‪3,737‬‬

‫‪3,808‬‬

‫‪1.11‬‬

‫‪1.20‬‬

‫اق‬ ‫ﻡد ‬

‫‪1,884‬‬

‫‪3,159‬‬

‫‪2,387‬‬

‫‪3,317‬‬

‫‪1.27‬‬

‫‪1.05‬‬

‫‪3,744‬‬

‫‪2,526‬‬

‫‪4,546‬‬

‫‪2,711‬‬

‫‪1.21‬‬

‫‪1.07‬‬

‫ن‬

‫‪1,392‬‬

‫‪3,095‬‬

‫‪2,505‬‬

‫‪3,267‬‬

‫‪1.80‬‬

‫‪1.06‬‬

‫ﺝش‬

‫‪1,539‬‬

‫‪2,634‬‬

‫‪2,399‬‬

‫‪3,099‬‬

‫‪1.56‬‬

‫‪1.18‬‬

‫ا‬

‫‪3,263‬‬

‫‪8,500‬‬

‫‪1,088‬‬

‫‪8,500‬‬

‫‪0.33‬‬

‫‪1.00‬‬

‫اع‬

‫‪518‬‬

‫‪492‬‬

‫‪568‬‬

‫‪510‬‬

‫‪1.10‬‬

‫‪1.04‬‬

‫ﻡن‬ ‫اك‬

‫‪11%‬‬

‫‪2,485,577‬‬

‫‪914‬‬

‫‪2,779,258‬‬

‫‪1,151‬‬

‫ول )‪  : (٦‬آ ول   ا   وع‬

‫‪L‬ذار‬ ‫ﻥ*ن‬

‫ ی‪I F‬ن‬ ‫آﻥ‪9‬ن أول‬ ‫ا ‪9 Q‬ع‬

‫‪467‬‬

‫‪1,425,722‬‬

‫‪347‬‬

‫‪1,199,122‬‬

‫‪750‬‬

‫‪430‬‬

‫‬

‫ول )‪ : (٥‬ا‪012‬ت ﺡ*) ا(ﺵ ‬ ‫‪01‬ت ‪٢٠٠٩‬‬ ‫دی ر‬

‫‪280‬‬

‫‪1,059,855‬‬

‫‪567‬‬

‫‪1,580,136‬‬

‫‪497‬‬

‫‪721‬‬

‫ول )‪ : (٤‬ا‪ $%‬اض ا "ﺵ و‪ -‬ا "ﺵ  ی ﺵ"ط‬

‫‪2009‬‬

‫‪467‬‬

‫ﺱ  ‪٢٠٠٨‬‬ ‫ا? ‬ ‫‪:‬د‬

‫ا  ‬

‫ﺱ  ‪٢٠٠٩‬‬ ‫ا? ‬ ‫‪:‬د‬

‫ ص ا ‬ ‫‪2009‬‬ ‫‪2008‬‬


‫ﺵ ﺵ"ط ‪٢٠٠٩‬‬ ‫رﺱ` )‪: : (١‬د ا? وض ا "ﺵ ة ‪7‬ی ﺵ ﺵ"ط‬ ‫‪90‬‬

‫رﺱ` )‪  $ : (٢‬ا? وض ا "ﺵ ة ‪7‬ی ﺵ"ط‬

‫ د ا)ر ‪2‬‬ ‫‪٢٠٠٨‬‬ ‫ د ا)ر ‪2‬‬ ‫‪٢٠٠٩‬‬

‫‪80‬‬ ‫‪70‬‬

‫‪ 0‬ا)ر ‪٢٠٠٨ 2‬‬

‫‪350,000‬‬ ‫‪300,000‬‬ ‫‪250,000‬‬ ‫‪200,000‬‬ ‫‪150,000‬‬ ‫‪100,000‬‬ ‫‪50,000‬‬ ‫‪0‬‬

‫‪60‬‬ ‫‪50‬‬ ‫‪40‬‬ ‫‪30‬‬ ‫‪20‬‬

‫‪)F F‬ء‬ ‫‪*+‬‬ ‫ا‬ ‫‪)F 0‬ء‬ ‫‪:‬ر‬ ‫ا‬ ‫رﺏ ‪ F‬‬ ‫ا‬ ‫‪ F‬‬ ‫)ﺹ‬ ‫ا‪5‬‬

‫‪10‬‬

‫*‪ F+‬‬ ‫ا‪5‬‬ ‫ ش‬ ‫ﺝ‪F‬‬ ‫‪4‬ن‬ ‫? ‪F F‬‬ ‫‬ ‫دﺏ ‪)F F‬‬ ‫)‬ ‫ ق‬ ‫ >‬ ‫ا‬ ‫‪ F‬‬ ‫>‬ ‫ا‬ ‫ ك‬ ‫ا=‪F‬‬ ‫‪)F‬ن‬ ‫‪5‬‬

‫ا ‪Z‬‬

‫‪ 0‬ا)ر ‪٢٠٠٩ 2‬‬

‫‪0‬‬ ‫رﺏ ‬ ‫ا‬ ‫ ‬ ‫ﺹ‬ ‫‪)5‬‬ ‫ا‬

‫ا‬

‫ر‪0‬‬ ‫ا‪:‬‬ ‫)ء‬

‫)ء‬

‫)ن‬

‫‪*+‬‬

‫‪5‬‬

‫)‬

‫ ق‬ ‫>‬ ‫ا‬ ‫ ‬ ‫>‬ ‫ا‬ ‫ ك‬ ‫ا=‬

‫دﺏ)‬

‫*‪ +‬‬ ‫ا‪5‬‬ ‫ش‬ ‫ﺝ ‬ ‫‪4‬ن‬ ‫?‬ ‫‬

‫ر‪ 3 : (٣) #$‬ص ا‪ 5‬ا ‪ 34‬ة  ا)ر ‪)+  ) 2‬ط‬ ‫‪430‬‬

‫رﺱ` )‪9 : (٤‬زی‪: X‬د اورات ا‪2‬ری" ‪7‬ی ﺵ ﺵ"ط‬

‫‪750‬‬ ‫‪1‬‬

‫‪200‬‬

‫ د دورات ‪٢٠٠٩‬‬ ‫ د دورات ‪٢٠٠٨‬‬

‫‪180‬‬

‫‪160‬‬

‫‪140‬‬

‫‪120‬‬

‫‪100‬‬

‫‪2006‬‬ ‫‪2007‬‬

‫‪80‬‬

‫‪60‬‬

‫‪40‬‬

‫‪20‬‬

‫‪0‬‬ ‫ا‪ +*5‬‬

‫ﺝ ش‬

‫)دﺏ)‬

‫?‪4‬ن‬

‫ا> ق‬

‫ا> ‬

‫ا= ك‬

‫‪)5‬ن‬

‫ا‪)*+‬ء‬

‫ا‪:‬ر‪)0‬ء‬

‫ارﺏ ‬

‫ا‪)5‬ﺹ ‬

‫‪0‬‬ ‫ا‪ +*5‬‬

‫?‪4‬ن‬

‫رﺱ` )‪  $ : (٦‬ا ری‪ X‬ﺡ*) ا" ا‪ 6‬ا‪ $%‬ا‪5‬‬ ‫‪7‬ی ﺵ"ط‬

‫ر‪)* : (٥) #$‬ر ‪./ 0‬ت ا* وض ا‪ )+‬ة‬ ‫‪1,200,000‬‬ ‫‪./‬ت ‪٢٠٠٩‬‬

‫ﺝ ش‬

‫)دﺏ)‬

‫ا> ق‬

‫ا> ‬

‫ا= ك‬

‫‪)5‬ن‬

‫ا‪)*+‬ء‬

‫ا‪:‬ر‪)0‬ء‬

‫‪./‬ت ‪٢٠٠٨‬‬

‫‪3,634,961‬‬ ‫‪1,274,158‬‬ ‫‪0‬‬ ‫‪160,000‬‬

‫‪3,957,505‬‬ ‫‪918,000‬‬ ‫‪28,425‬‬ ‫‪420,448‬‬

‫‪1,000,000‬‬

‫‪800,000‬‬

‫‪600,000‬‬

‫‪400,000‬‬

‫‪200,000‬‬

‫‪0‬‬ ‫آ)‪4‬ن أول   ‪)G‬ن   أول‬

‫أ ‪4‬ل‬

‫‪J‬ب‬

‫‪4‬ز‬

‫ﺡ‪ :‬ان‬

‫أ )ر‬

‫‪)K‬ن‬

‫‪J‬ذار‬

‫‪)+‬ط‬

‫آ)‪4‬ن ‪)G‬ن‬

‫ارﺏ ‬

‫ا‪)5‬ﺹ ‬

‫ ری‪ X‬أ‪*$‬ط  ری‪  X‬ری‪X‬‬ ‫ا\ اد ) =‪0‬ب  ‪ FU‬أ اد‬ ‫‪9V‬ی ( ا‪Q‬ت ا أة )ی (‬ ‫ا ﺱ  ا ی‬

‫‪250‬‬ ‫‪200‬‬ ‫‪150‬‬ ‫‪100‬‬ ‫‪50‬‬ ‫‪0‬‬ ‫‪2008‬‬ ‫‪2009‬‬


Monthly publication Planning and Training Department feb. 2009 Issue DEF Loans and Training activities

QF-41-1-2

Table (2) Geographic Loans distribution

Table (1) monthly Loans distribution

Month

Year 2008 number J.D

January 280 February 467 March April May June July August September October November December 747 Total

Year 2009 number J.D

Jobs Created

1,059,855

516

1,580,136

2008 497

2009 661

1,425,722

347

1,199,122

750

430

Loans 2008

Governorate

J.D

no.

J.D

2008

Aqaba

84 63 46 47 16 60 19 30 28 20 34 60

313,041 206,802 150,401 123,243 21,800 143,625 71,000 71,610 127,300 50,100 81,550 65,250

53 52 56 44 6 27 10 20 41 18 17 3

234,719 192,261 126,930 113,403 46,500 132,770 38,079 66,335 111,150 58,800 52,675 25,500

189 134 60 64 16 85 21 38 34 36 53 20

48 73 46 7 38 12 21 44 19 20 3

Total

467

1,425,722

347

1,199,122

750

347

Irbid Balqaa Ma'an Karak Tafileh Mafraq Madaba Ajloun Jerash

914

2,779,258

1,247

1,151

Table( Table(3) Direct and indirect Loans Activities Loan type catg.

no.

Amman Zarka

2,485,577

JD's As end of ( 2008)

Total Direct Loans

12423727

JD's(2009)

Year Total

2008

76

52

369,795 314,125 14.5% 30.8%

Rural women empowerment projects244

187

372,000 484,000 66.3% 41.4%

University students fund program 117

68

576,185 305,175 3.7%

1.6%

2

1

92,774

8.9%

439

308 1,410,754 1,128,300 100% 100%

Start-up & Existing projects

170000

B. MFI's

250000

Total

12843727

1,943,598

14,379,450

0 2779258

Entrepreneur projects Total

111596404

Job cost (JD's)

Average Project Cost

Average Job per Project

J.D

2009% 2009 no. %J.D 2009

25,000

0.6%

Table( Table(6) monthly collections

Table( Table(5) Job cost analysis & Average project cost Governorate

99

No. of projects 2008 2009

95273356

Total Indirect Loans: A. Credit Funds

2009

Table( Table(4) Lending Activities

Activities 2779258

Job Created

Loans 2009

Month

2008

2009

208

2009

2008

2009

Amman

1,656

2,371

3,727

4,429

2.25

1.87

Irbid

1,543

4,005

3,283

3,697

2.13

0.92

February

Zarka

2,507

1,739

3,270

2,267

1.30

1.30

March

Balqaa

1,926

2,465

2,622

2,577

1.36

1.05

April

Ma'an

1,363

6,643

1,363

7,750

1.00

1.17

May

Karak

1,690

3,494

2,394

4,917

1.42

1.41

June

Tafileh

3,381

3,173

3,737

3,808

1.11

1.20

July

Mafraq

1,884

3,159

2,387

3,317

1.27

1.05

August

Madaba

3,744

2,526

4,546

2,711

1.21

1.07

September

Ajloun

1,392

3,095

2,505

3,267

1.80

1.06

October

Jerash

1,539

2,634

2,399

3,099

1.56

1.18

Aqaba

3,263

8,500

1,088

8,500

0.33

1.00

Total

520

593

571

510

1.10

1.04

January

2008 J.D

2009 J.D

Growth Rate %

M.C /T.C %

850,918 935,944

1,068,942 909,617

26%

100%

1,786,862

1,978,559

11%

100%

November December Total


Feb ,2009 Figure (2) No. No. of Loans

Figure (1) Loans Value

90

400,000

Loans J.D (2008)

Loans J.D (2009)

no. of loans 2008

no. of loans 2009 80

350,000

70

300,000

60

200,000

50

150,000

40

100,000

30

50,000

20

0

10

Aq ab Je a ra sh A jlo M un ad ab M a af ra Ta q file h Ka ra k M a' a Ba n lq a Za rq a Irb Am ed m an

250,000

Aqaba Jerash Ajloun Madaba Mafraq Tafileh Karak

Figure (4) Training activities Distributions

Figure (3) Jobs created according to governorates

0

# of Trainging 2007 # of Trainging 2008

Ma'an

Balqa

Zarqa

Irbed

amman

180

1

160

1

140

1

120 1

100 1

80 1

60

0 0

40

0

20

0

0 Amman

Irbed

Zarka

Balqa

Ma'an

0 Amman

Irbid

Zarka

Balqaa

Ma'an

Karak

Tafileh Mafraq Madaba Ajloun

Figure (6) Lending Activities

350 300

28,425

1,200,000

420,448

1,000,000 800,000

200

600,000

2008 2009

100 50

Tafileh

Mafraq

Madaba

Ajloun

Jerash

Aqaba

2008

Figure (5) monthly collection and Dues

250

150

Karak

2007

Jerash Aqaba

Collection 2009

Collection 2008

400,000 200,000

ly

gu st

Ju

ne Ju

M ay

h

Ap ril

ua ry

M ar c

Se pt em be r O cto be r N ov em be r D ec em be r

University students fund

Aa u

Start-up & Existing

Fe br

0

Ja

nu ar y

-

Nashat-9  

‫ا‬ ‫اون‬ ‫ﻥة‬ 019034,200 5.5%2.9% 1,786,8621,978,559 11%100% ‫ااااوق(:٣)ول‬ ‫ﺵط‬ ‫ی‬ ‫اری‬ ‫صا‬ ‫ا‬ ‫اری‬ ‫د‬ ‫ای‬ ‫اأة‬ ‫ری‬ 244187372,00...

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