Jordan Jordan

Over the last decades, Jordan assumed an important economic and demographic growth, which also benefited to the microfinance sector.

  • Jordan
  • Jordan
  • Jordan

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  • News


    Who is MFW ?

    Located in the capital of Jordan, Amman, MFW (Microfund for Women) provides loans in order to help entrepreneurs, especially women, and enable them to generate income and become involved in social and economic life. MFW, as a private and non profit Microfinance Institution provides services in urban and rural areas through a network of 41 branches.

    MFW has many regional offices in Jordan and its headquarters are located in Amman. The MFI have, late December, 401 employees and about 56% of them are loan officers.

  • News


    MicroWorld is coming to Jordan !

    After the Palestinian Territories, MicroWorld gives you the opportunity to finance microentrepreneurs in Jordan ! Thomas from our Operations team spent two weeks in Aman to put this partnership in place with the MFI MFW (Microfund For Women).

    To relive the integration of this new MFI:
    - Read the logbook of Thomas during his visit to Jordan on our blog

  • News

    03.15.13  | Juliette

    Microfinance in Jordan

    In 1959, Agricultural Credit Corporation launched the first microcredit programs in the country. Today, the microfinance industries in Jordan, have reached such proportions and influence that needs to be organized within a legal framework.

  • News


    Jordanian microfinance makes waves with women

    In Jordan, the majority of microloans go to women borrowers. Women make up 70% of borrowers according to a report presented in Amman on 16 January by Sanabel, the Microfinance Network for Arab countries. This trend will likely continue since Jordanian MFIs plan to continue targeting women borrowers. Local MFIs justify this preference for two main reasons: microloans provided to women benefit the entire family; men tend to get deeper into debt and are therefore at greater risk of non-repayment.

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Jordan, known as “the well-travelled bridge between sea and desert”, is a land of geographical contrasts between the Jordan fertile Valley and desert canyons, bordered by influent countries such as Israël, Palestine, Syria, Irak and Saudi Arabia.

Over the last decades, Jordan assumed an important economic and demographic growth. Reaching 6,1 million inhabitants in 2011, the vast majority of Jordanians lives in urban areas and over 37% of them are less than 15 years old, making Jordan one of the youngest lower-middle income countries. Since the last decades, Jordan has grown into a modern nation, highly attractive for modern travelers. In particular, the city of Petra is the most valuable historical treasure and tourist attraction in Jordan (UNESCO World Heritage Site since 1985).

The majority of the Jordanian economy is concentrated in the service sector, especially in tourism, banking, constructions and trade. Despite all the efforts made towards improvement of women rights and their condition of living, especially in the heart of the Jordanian Parliament with a quota system, gender inequalities are still present in Jordan.

Jordan is on track to achieve its development goals with major improvements made in health, education, energy, transport and living standards of the population, thanks to large foreign aids to develop projects.


Jordan was found by King Abdullah I after World War I and was ruled during more than 40 years by his grandson King Hussein and followed by his own son King Abdullah II at the throne.

Over the years, Jordan passed in turn to the Assyrians, the Babylonians, the Persians and the Seleucids and in the years 600s was conquered by the Arabs.

In the 16th century, Jordan finally submitted to the Turkish government and administered from Damascus, capital of Syria.

After World War I, British awarded the territory of Israel, Jordan, Gaza, Jerusalem and the West Bank to the UK. In the 1920s, under the mandate of Britain was ruled by Prince Abdullah until the succession by his son at the throne. The abolishment of the mandate was made in 1946 by the British and the country became independent as the Hashemite Kingdom of Transjordan.

After signing a mutual defense pact in 1967 with Egypt and participating to the war between Israel and the Arab states of Syria, Egypt and Irak, Jordan are now considered as one of the most peaceful country in the MENA area.


The culture of Jordan is the product of Arabic and Islamic origins and influences, and put Islam as the state religion of Jordan.

Even if English is sometimes used in politics and business, Arabic stay the official language of the country and it is largely spoken by all Jordanians.

Jordan’s culture of food is mostly appreciable during community events, always glorified by a great hospitality and generosity. Rice, flat breads, vegetables, olives, lamb or chicken, yogurt and fruits form the basis for most of Jordanian meals.


Covered by eight high level performance MFIs, the microfinance sector is the most significant one within the Middle East Region. Highly strong, it is however nearing saturation.

This sector started in the mid-to-late 1990s and is characterized by the presence of both market-oriented and subsidized credit providers.

Kingdom of Jordan
al-Mamlakah al-ʾUrdunniyyah al-Hāšimiyyah
Jordanie (French)


Coat of arms

Anthem: Long Live the King

Location of Jordan
Location of Jordan



Official language(s)


Spoken language

8 languages

Ethnic groups

98% Arab
1%Circassian (Adyghe)


Unitary parliamentary constitutional monarchy



Abdullah II


Prime Minister

Abdullah Ensour





Upper House



Lower House

Chamber of Deputies


 -  League of nation ended 26 mai 1946 


 -  total 89,342 km2
235,637 sq mi 
 -  Water (%) 0,8


 -  2012 estimate 6 508 887[4] 
 -  Density 68,4km[4] 


2011 estimate
 -  Total $36,893 billion

Per capita

Gini  35,4 medium


0,698 medium 95th


Jordanian dinar(JOD)

Time zone


Drives on the


Calling code


ISO 3166 code


Internet TLD




Located in the capital of Jordan, Amman, MFW offers loans in the goal of helping entrepreneurs, in particular women, to become income earners and decision makers in their social and economical life. MFW, as a private non profitable microfinance institution, provide services in urban and semi-rural areas through a network of 36 branches.


To help create a more equal and just society, in which women in particular are empowered to break the cycle of poverty, achieve prosperity, and live inclusive lives.


To provide sustainable financial and non-financial services to the entrepreneurial poor, especially women, to transform their lives to achieve a better quality of life through the development of their own economic activities.

MFW is also committed to remaining the top microfinance institution in Jordan, and maintains a strong focus on economic development over profit.


Microfund For Women (MFW) was established in 1994 as a pilot Group Guaranteed Lending Program initiated by Save the Children in Amman. Two years later, this pilot group was spun off into a local NGO “Jordanian Women’s Development Society” to provide poor women access to the credit mechanisms. In 1999, Microfund for Women became independent and was transferred to a non-profit limited liability company. Since this time, MFW has been increasing its activity and now play a significant role in Microfinance in Jordan, helping the development of lives of thousands of families, mostly women.


As of March 2012, MFW has a network of 36 branches having set-up 16 new branches since 2010. Thirteen branches are located within the Amman governorate, the others being situated in the northwestern region (Zarqa, Balqa, Mafraq Irbid, Jerash, and Ajloun), as well as in the less concentrated southern regions of Karak, Tafeelah, Maan, Aqaba and Madaba. MFW provide both group and individual loans, mainly to poor entrepreneurial women, in urban and semi-rural areas.MFW’s target profiles of entrepreneurs are women with limited income and/or no access to formal lending channels (97% of MFW’s clients). MFW generally avoids reaching out to individuals already served by other MFIs, although it does not formally prohibit lending to clients already served by other institutions.

Key figures - Mars 2013
Legal status Licensed MFI
Number of borrowers 66,587
Gross Loan Portfolio $26,550,454
Average loan balance 385.6$
Average interest rate for borrowers 2.7% per month
Number of personnel
PAR (Portfolio at Risk) 0,99%