Al Tadamun Microfinance Foundation, one of Egypt’s leading providers of microfinance services for women entrepreneurs, reported strong financial performance for the fiscal period ending December 2025, highlighting significant growth in its financing portfolio, digital payment adoption, and issuance of financial inclusion cards.
The institution said its outstanding financing portfolio climbed 36.4% year-on-year, reaching EGP 1.79 billion by the end of 2025, compared with EGP 1.32 billion at the end of 2024, reflecting rising demand for microfinance services and increased client confidence in the foundation’s lending programs.
Strong Expansion in Microfinance Lending
According to the organization, total financing disbursed during 2025 reached EGP 2.69 billion, up from EGP 2.4 billion in 2024, marking 12.5% annual growth. The increase underscores the foundation’s continued expansion across Egypt and its role in supporting women-led microenterprises.
In this regard, Chair of the Board of Trustees at Al Tadamun Microfinance Foundation, Mona Zulficar, said the results demonstrate the effectiveness of the institution’s long-term strategy.
“Microfinance is a powerful tool for economic empowerment, particularly for women,” Zulficar said. “Our business model has proven capable of delivering strong and balanced growth while maintaining financial sustainability and meaningful social impact.”
She added that the institution’s 2025 performance reflects a long-standing commitment to financial inclusion, economic development, digital transformation, and workforce capacity building, all of which contributed to portfolio growth and increased lending activity.
Digital Repayments Surge to 99%
The foundation also reported major progress in its digital transformation efforts. By the end of 2025, 99% of client loan installments were paid electronically, reflecting widespread adoption of digital payment channels.
Reham Farouk, Chief Executive Officer of Al Tadamun Microfinance Foundation, said the continued growth aligns with the institution’s mission to support women entrepreneurs across Egypt.
“The positive growth indicators reflect the success of our business strategy and our leadership role in empowering women with access to the financing needed to grow and expand their microenterprises,” Farouk said.
She added that the foundation supports Egypt’s national digital transformation agenda by enabling clients to repay installments through electronic point-of-sale (POS) systems, in cooperation with several digital payment providers.
These include Fawry, OPay, Masary, Cashcall, Bee, Waqti and Geidea.
422% Growth in Meeza Card Issuance
Karim Gomaa, Chief Financial Officer at Al Tadamun Microfinance Foundation, said the institution issued 14,900 Meeza cards in 2025, compared with 2,853 cards in 2024, representing 422% growth.
The cards were issued in partnership with National Bank of Egypt and allow clients to withdraw financing directly from ATMs, improving convenience and reducing reliance on cash-based disbursement.
By the end of 2025, the total number of Meeza cards issued to clients exceeded 128,000, reflecting the organization’s efforts to expand access to modern financial services for women entrepreneurs.
Diverse Financing Programs for Women Entrepreneurs
Al Tadamun Microfinance Foundation offers a wide range of financing solutions designed to serve different categories of women-led microbusinesses. These include:
- Individual microfinance loans
- Group lending programs
- Opportunity financing
- Step financing programs
- Gold financing
- Family financing for machinery, equipment, and transportation
- Individual Plus financing
In addition to financial products, the foundation also provides non-financial services and support programs aimed at strengthening the sustainability and growth of microenterprises.
Growing Role in Egypt’s Microfinance Sector
The foundation’s latest results highlight the expanding role of microfinance in Egypt’s economic development, particularly in supporting women entrepreneurs and small-scale businesses.
As demand for microcredit continues to rise across the country, institutions such as Al Tadamun Microfinance Foundation are increasingly leveraging digital tools, financial inclusion programs, and partnerships with banking and fintech providers to broaden access to capital and accelerate inclusive economic growth.
