Al Tamkeen is a Lebanese Non Profit Non-Governmental Organization (NGO) officially registered in 2002 under notification no. 159/AD. Al Tamkeen aims at improving the social, cultural, and economical and health livelihood of rural Lebanese citizens through providing various types of assistance programs and development projects. Studying the strengths, weaknesses, opportunities, and strengths of rural Lebanon. Al Tamkeen discovered that 86% of enterprises in Lebanon are small and medium scale. Al Tamkeen also concluded that productive economic activity in rural areas is often limited by the inability of entrepreneurs, small businesses, and individuals to obtain loans, a significant engine for growth and source of employment in rural areas. Al Tamkeen also realized that economic stagnation is more prominent in districts where residents were displaced during the devastating Lebanese civil war or forced to migrate to urban centers seeking job opportunity. Al Tamkeen also noted that specific measurement of unemployment rate is not available; however, it is estimated that 25% of the Lebanese labor force is currently unemployed, and especially concentrated in deprived, remote, and rural areas. Consequently,Al Tamkeen designed and implemented a rural enterprise development program that includes the provision of micro and small loans to start-up or develop businesses in rural Lebanon coupled with capacity building for rural enterprises. This program aims at creating jobs and increasing the income of rural families, and thus promotes economic incentives to enhance return of the displaced and reduce migration of rural residents to urban areas.
Working with several local and international financial institutions mainly (Byblos Bank and Banca di Roma, City Group Bank and YMCA),Al Tamkeen provides micro and small loans (Up to $5000 per loan for commercial enterprise and up to 8000 USD per loan for agriculture or agro-industrial enterprise). Al Tamkeen initiated is activities in the districts of Baabda, Aley, and Chouf in 2003 then expanded its targeted geographic area to include West Bekaa, Rashaya, and Hasbaya districts in 2005; future plans include further expansion to cover all Lebanese districts. To date, Al Tamkeen has succeeded in providing loans valued USD 5,940,128 in total by the end of 2017, to start and develop 2060 new businesses in six different sects; Agricultural (108 projects), Industrial (278 projects), Commercial (508 projects), Transportation (147 projects), Craft (7 projects), Services (469 projects). In addition to offering 543 personal loans.
Al Tamkeen currently has30 members and abides by the Lebanese laws and regulations for Non-Governmental Organization.
A five-member Board of Directors is democratically elected by the General Assembly every three years. Al Tamkeen employs 7 full time staff dedicated to ensure excellence in achieving Al Tamkeen mission of improving the livelihood of rural Lebanese citizens. Further Al Tamkeen employed to date two short-term technical consultants to implement its capacity building program.
Statistics
1. Micro and Small Loans Program To date, Al Tamkeen has succeeded in providing 2060 loans valued at $ 5,940,128
and for enterprises in the districts of Alley, Chouf, and Rashaya. 682 projects with 682 loans valued at $1,813,698 were owned and managed by women. As a result, Al Tamkeen loan program contributed in supporting 2060 businesses and increased their income by at least 30% to 40% per year.
The distribution of micro and small loans by sector till the end of 2017 is as follows:
a.
Commercial Enterprises:
- Trade: 508 loans in total value of $ 1,520,200
- Transportation: 147 loans in total value of $ 474,000
- Services: 469 loans in total value of $ 1,443,078
- Industrial: 278 loans in total value of $ 810,250
- Artisanal: 7 loans in total value of $ 23000
- Personal loans: 543 in total value of $ 1,206,600
b.
Agriculture and agro-industry enterprises
- 108 loans in the total value of 462,500 USD
Al Tamkeen capacity building program has so far trained more than 300 entrepreneurs across the areas of Aley, Chouf, and Bekaa.
Institute for University Cooperation (ICU)
www.icu.it
Byblos Bank
www.byblosbank.com.lb
- YMCA
- City Group Bank
Craft
TRADE
All nuts trade / shop
Animals foods trade/ shop
Telephone trade & accessories
Beverage trade / shop
Books trade
Taxtils - Cloths / free trade
Car spare parts / shop
Cloth trade shop
Sweets Production trade / shop
Coal trade
Electronic trade & repair
Solar Energy / shop
False ceiling
Gifts & Toys/ shop
Shoe trade shop
Gallery ( furniture )
Gun Machines
Sanitery accessories
Grocery shop & vegetable
Home Appliances / shop
Restaurant Equipment / shop
Master Pieces & Gifts trade / shop
Mini Market
Perfumes & cosmetics & acc/ shop
Nylon trade
Oil & car spare parts wholesale/ shop
Paintings & Tools / shop
Backstop
Services
A Metal press for rocks
Barber
Cars Exhaust Maintenance / Shop
Butcher
Buying an Electrical Engine
Sound System / shop ( rental & Installment )
Cable ( computer / internet / satellite)
Cafeteria ( Sandwich)
Services office
Car -Wash Plot Form
Children Barber
Restaurant
Clinic Equipment
Communication center / equipment
Repaired & Paint Cars
Spots Club
Stationary and photocopy /print
Plexi / Vinyl / Print
Ticketing office
Translation Office
Photo Tools ( studio )
Wheel repair and oil change
Compressor for cleaning rocks
Computer for printing Advertisement products
Curtains & Furniture Upholsting
Nursery Equipment
Dry Cleaning Services
Engineer office ( tools )
Mechanic ( cars repair)
Folklor Group ( Dabki )
Furniture Paint
Hair Dresser
Gas Delivery
Gear box / Motor for trucks
Juice & Coffee
Jewellery shop
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INDUSTRIAL
Gibson manufacture
Marble Manufacture
Metal & welding equipment
Milky Store
Sewing Factory
Socks Manufacture Female
Sweets production Manufacture
Trico Manufacture
Wood Sawing Tools
AGRICULTURE
Agriculture tools ( tractor, etc…)
Concrete water Tank
Farming ( Cattle - Chicken - Cows )
Grape Vine
Green Houses
Green plants Trade & Flowers
Honey bee Production
Pine Cracker
To Cultivate - Seed & Plant
Transportatin
Buying a public taxi number
Buying a truck
Buying bobcat
Buyig Bulldozer Caterpillar
Buying taxi car
Pick- up for Transport
Tourist van
To increase income and create jobs in rural Lebanon, Al Tamkin provides:
1
Access to Micro and Small Loans for start-up and development of successful rural enterprises in commercial sectors and in agribusiness or agro-industry.
2
Free consultations to rural micro and small enterprises on how to start or develop your own business.
3
Training programs to build the capacity of micro and small entrepreneurs.
Micro and Small Loans Program
Al Tamkeen can provide free consultations to micro and small rural entrepreneurs participating in Al Tamkeen Loan Program.
a
- Light industry (contracting and construction, sewing and clothes manufacturing, wrought iron production, plaster and decoration production, bakeries and pastry production, carpentry, candle production, and other)
- Trade (equipment for groceries, mini-markets, Cellular phone and accessories shops, perfume and beauty shops, gift shops, car accessories shops, clothes shops, and other)
- Transport (ex. purchase of pick-ups, taxis, vans, and other)
- Services (ex. Hairdressing and barber business, internet and computer access business, photographing business, travel booking business, car repair shops, restaurant business, and other)
Agriculture and agro-industry enterprises(ex. plowing and crop production equipment, processing equipment, greenhouses, water reservoirs, beekeeping, distilling, and other)
Al Tamkeen Micro and Small Loans Program excellence and success is attributed to its active partners, Byblos Bank and Banca Di Roma, as well as to competitive superior lending terms tailored to the needs of micro and small rural enterprises.
*For commercial enterprise loans, Al Tamkeen offers loans up to 5000 USD at 5.2 % service fee, and a repayment period up to three years.
*Personal loan up to 2000–
*Agricultural loans up to 7000
If you like to see an example of the repayment scheme of a commercial enterprise loan, please click here to go to Loan Calculator.
For agriculture and agro-industry enterprise loans, Al Tamkeen offers loans up to 8000 USD at 5.5% service fee, with a grace period up to 6 months, and a repayment period up to three years. If you like to see an example of the repayment scheme for an agriculture and agro-industry enterprise loan, please click here to go to Loan Calculator.
If you like to obtain a loan application in English, please click here: Loan Application