Loan Guarantee

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. With different coverage percentage, it continues to be a very successful program in terms of coverage and orientation.

Energy Loans

Loan guarantees that help Palestinian enterprises seize the opportunities offered by energy and environmental transitions and encourages local financial institutions to finance them.


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


This is a joint venture launched with the Palestine Monetary Authority (PMA). The PMA implemented measures to address the impact of the Covid-19 crisis on affected groups and provided resources to support the social safety net for those affected by the pandemic. Notably, the establishment of the Sustainability Fund (Estidama) aimed to provide financing for projects as well as medium, small, and micro-enterprises (MSMEs), ensuring their sustainability during the challenging times during and after the pandemic. EPCGF teamed up with PMA to provide guarantee facilities to encourage FIs to increase their offering and target added/ expanded groups of beneficiaries, per the following:



  1. Estidama 

    Loan Coverage up to USD 300K across the different sectors with interest capped at 3% and minimal commission.

  2. Estidama – Start-up

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

  3. Estidama Micro-loan

    The micro loan program is a portfolio-based guarantee program specifically designed for smaller loans of up to USD 10,000. This program is tailored to cater to smaller clients, providing them with the necessary financial support to access the necessary resources for their specific requirements.

EU Mandate

The European Palestinian Credit Guarantee Foundation (EPCGF), in collaboration with the European Union (EU) and KfW Development Bank, has taken another significant step towards promoting financial and social inclusion in underprivileged regions of Palestine. 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 Notably, there is a particular focus on supporting economic sectors that have been severely impacted, such as agriculture and tourism along for higher guarantee coverage and more competitive fees, providing a cost-effective solution for the beneficiaries. This initiative will have a substantial impact, with a total investment of USD 134 million allocated to stimulate growth.