About us


The Stichting European Palestinian Credit Guarantee Foundation (EPCGF) is the first operating guarantee scheme in palestine designed for small and medium Enterprises. It aims to contribute to economic development by stimulating investments in MSMEs through loan guarantees, lending, investment in innovative projects, and technical assistance support.

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EPCGF’s total number of approved loans in the third quarter of 2023 increased by 44.9% in comparison to the same period in 2022.

This significant growth not only underscores the foundation's growing impact but also highlights its ability to facilitate access to finance for the Palestinian small and medium-sized enterprises (SMEs) sector. Such a substantial increase in approved loans represents EPCGF's commitment to fostering economic development and financial empowerment.

New Clients attributed to 39.8% of the third-quarter portfolio

This quarter's portfolio distribution reflects an expansion of financial inclusion, through the products that aim to facilitate 'Access to Finance' for New Clients without any credit history.

Agriculture Sector Loans reached to be 6.80% of the third-quarter portfolio

As part of its portfolio diversification approach, the Foundation has actively fostered the growth of the agriculture sector under the newly introduced “EU Mandate” products.

Educational Retreats conducted by EPCGF targeting five partner institutions

The Foundation is committed to extend these retreats to its partner financial institutions in the near future/ when the situation permits.

Programs


Regular Scheme
Regular Scheme

The regular scheme initially launched by the EPCGF is an ongoing loan guarantee program that covers diverse sectors and geographical areas in the West Bank, including East Jerusalem, and the Gaza Strip.

Energy Loans Product
Energy Loans Product

Loan guarantees that help Palestinian enterprises seize the opportunities offered by energy and environmental transitions.

Start-ups
Start-ups

Represents guarantee provided to loans which aim to grow an existing business that has been trading for a minimum of 24 months.

Estidama
Estidama

This is a joint venture launched with the Palestine Monetary Authority (PMA).

EU Mandate
EU Mandate

The joint initiative launched by EPCGF in the beginning of FY 2023 focuses on extending loan guarantees to partner banks and Microfinance Institutions (MFIs) in marginalized areas, including East Jerusalem, Area C, and the Gaza Strip

Sectors


Breakdown as a Percentage of EPCGF’s Total Portfolio

Trading
63%
Trading
Trading

63%

Industry
9%
Industry
Industry

9%

Agriculture
7%
Agriculture
Agriculture

7%

Tourism
1%
Tourism
Tourism

1%

Others
20%
Others
Others

20%