Read about our projects and programs that Sharakeh managed and currently managing

 Current Programs 


NGO Development Center

The NGO Development Center (NDC) is the largest Palestinian organization of its kind working hand-in-hand with Palestinian NGOs, local cooperatives, and community development organizations to improve the delivery of services to the disaffected and build a more capable, responsive Palestinian civil society.

Our programs and grants empower Palestinians to help Palestinians by providing NGOs the skills, tools and funds they require to address social needs and promote self-reliance amidst poverty. We advocate greater NGO transparency and accountability through the adoption of professional financial and management practices, and promote sector-wide coordination and sharing of best practice experiences.

Conceived in partnership with leading Palestinian NGOs, unions and networks, NDC is committed to the highest standards of professionalism, excellence and transparency in our work.

In line with its values and its vision, NDC’s mission statement is: The NGO Development Center (NDC) is a non-profit nongovernmental organization established in response to the need of having a sustainable Palestinian mechanism for providing support to the NGOs sector. Through providing technical and financial support, NDC works on developing the capacities of Palestinian NGOs in providing quality services, especially to the poor and the marginalized, on enhancing their self-reliance, and on empowering them to be more sustainable. At the same time, NDC contributes towards the development of the NGOs sector as a whole by facilitating sharing and exchange of information and experience, by supporting research and policy development, and by strengthening NGOs relationships with development partners. 


Microfinance Centre

The microfinance industry in Palestine is growing rapidly with new members entering the market. Furthermore MFIs  feel the international push towards commercialization. However the unique political situation in Palestine and difficult economic situation requires MFIs to be cautious in their growth in their growth and not loose sight of the ultimate goal: to serve the client. We are aware of the difficult stress that our member organizations are placed under to meet financial performance standards, and that pressure has increased the need for social performance as it assures that the MFIs practices are in line with the goals of the microfinance industry.

The four trends that were prioritized the decision tree are: lack of technical support for MFIs, underserved excluded groups, members have social mission and are interested in the better achievement of it, and economics/financial crisis. Sharakeh believes that the four trends together indicate that the microfinance industry in Palestine has good intentions to serve the needs of the Palestinian people, however is also exposed to many pressures to meet performance markers.

The three strategy categories are capacity building (improve the capacity of MFIs in the effective use of poverty targeting strategies adapted to excluded groups, and the development of products and services answering the specific needs of poor clients of poor clients), transparency (share practice and performance results of MFIs with improved systems and transparency on practices and results; Analysis on the impact of financial/economic crisis), and advocacy (increase awareness of the positive aspects of MFIs to external stakeholders to defend the sector and negotiate for more favorable environment).



The Palestinian Network for Small & Microfinance – Sharakeh started its counterpart relationship with Oxfam Novib the year 2006, when Oxfam Novib financed its first one-year grant. Additional agreement was signed by both Sharakeh and Oxfam Novib August 2007 marking the beginning of a two-years project, Ending June 2009, this project ended with most of its activities being implemented as planned (maintaining a satisfying level of quantitative and qualitative performance), and the rest, which started before that period and ended weeks or months after. Such delay in delivery is due to extraordinary situations faced during the OPT within the implementation period, and explained further in this report

Ending the two-year project did not end the relationship between the two parties, on contrary, both Sharakeh and Oxfam Novib, agreed on extending the professional relationship for additional three-year project, starting July 2009.

Goal 1: Qualify a pool of microfinance trainers in the Gaza Strip & build the capacities of member MFIs there.

  1. Microfinance Product Development course
  2. Costing and Pricing
  3. Human Resource Management
  4. Marketing 4Ps

Goal 2: Replication of training to Branch Managers and Loan Officers

  1. Microfinance Product Development
  2. Costing and Pricing
  3. Human Resource Development
  4. Marketing 4PS

Goal 3: Develop the Capacity of Sharakeh in the Gaza Strip

  • Expand the team from one to two employees

Goal 4: Adopt and Encourage Best Practice Initiatives

  • Best Loan Officer Award
  • Best Micro Entrepreneur

GOAL 4: Develop Communication materials and disseminate knowledge on and within the sector

  • Communicate knowledge

Publish 2 Newspaper Supplements annually

Publish 4 Newsletter volumes annually


 Previous Programs

ESAF USAID Project (1/1/2010 - 1/9/2011) 

A major challenge for Sharakeh is to maintain sources of income in order to continue its services for members and to benefit the industry by promoting best practices.  Sharakeh started to improve services delivered to members encouraging them to increase their financial contribution.

Objective 1:  Improving quality of services delivered to MFIs members in order to continue the value added efforts from Sharakeh:

1. Update Sharakeh’s Website to reflect achievements of members and to create a reference data- base.
2. Produce First Arabic microfinance news letter as an introduction for a future Arabic microfinance magazine
1. Conduct periodical meetings with MFI representatives & regulatory parties to overcome major constrains.
2. Work closely with PMA to follow up and participate in finalizing regulatory laws affecting microfinance industry in Palestine.


Objective 2: Enhancing Sharakeh’s role in presenting microfinance industry in front of stakeholders

3. Follow- up on agreements and lessons learned between all parties related to transformation process  in order to have a reference manual and problem solving reference uploaded to Sharakeh Web-site.


ESAF project (1/3/2009 - 1/1/2010)

The Palestinian Network for small & micro Finance (Sharakeh) is a membership driven organization that looks into it’s member’s needs, and strive to provide services of excellent quality to answer to those and advance it’s member MFIs performance, and hence contribute to improving the quality of life of every individual.

Sharakeh `s members requested advanced training on Micro-Fin based on the release of it’s newest version(Micro-Fin 4.0) Sharakeh launched a call of interest to all its members where seven MFIs responded with a similar need, and showed interest in participating in the course, hoping to develop  their skills applying this tool to their planning processes .MFIs are in a critical transformation period where they are working to improve their performance and achieve financial sustainability. Sharakeh applied for AED/ESAF to fund the training that will be conducted by chuck water field on January 2010. after several technical and financial enquiries, AED/ESAF approved Sharakeh`s proposal.

UNDP project( 1/1/2010-31/01/2011)

One of Sharakeh `s main services it provides to members , is utilization of existing tools to promote microfinance as a poverty alleviation tool, it provides information to the regional and international spectators on the achievements , performance and available products , while provide it’s members with trends, new technologies and methods . Moreover, Sharakeh  creates different alternatives to raise awareness within the community to available credit and other financial and nonfinancial services, and encourage end clients to benefit from it, as well as inform order other community clusters on the role member microfinance institutions play to contribute to national economic advancement .

Project Goals:

formulate a comprehensive outline for the first national microfinance policy in Palestine.
determine the current and needed supply in comparison with demand for Islamic loans
contribute to the joint efforts of visibility of Islamic lending as growingly spreading lending tool within the Palestinian microfinance industry .

1. Supply & Demand survey - Islamic Lending

2 .Best Micro Entrepreneur Award - West Bank

3. Implement the West Bank award event:

4. Sponsor the financial prizes of the three Best Micro Entrepreneurs of Islamic products of 2010

5. Best Loan Officer working according to Islamic lending methodologies - West Bank

6.Hold a micro entrepreneurs products fair in the north, display and market end products of micro entrepreneurs