Tuesday, April 3, 2012
Palestinian Arab Women League
Palestinian Arab Women League
Since 1956
PROFILE
Profile
The Palestinian Arab Women League (PAWL) is a non-profit, non-governmental organization. Founded in Lebanon by an active group of Palestinian and Lebanese women in 1950, PAWL was officially registered in 1956 (Registration no. 1180) to answer to the Palestinian People’s needs who were living under extremely difficult social, economic and humanitarian circumstances. From there on, PAWL started its long journey towards its goal:
“To foster social and economic development of Palestinian communities in Lebanon”
Its president and then honorary president, Mrs. Wadea Kaddoura Khartabil, played a significant role in founding, activating, and representing PAWL in the international and local conferences and assemblies, supporting rights of the Palestinian people, while reflecting the importance of women’s role in the development process. Mrs. Samia Al-Ayoubi Khartabil continuous the path, and is presently the PAWL president.
After a long history of activities in the field of education and relief, and following the latest innovations in the development field, PAWL adopted the international standards of community development by re-polishing its strategies to accommodate micro-credit activities. As of 2001, PAWL built its capacity and developed further to be among the first NGOs providing financial services to the Palestinian communities all over Lebanon.
Board of Directors:
President: Samia Al-Ayoubi Khartabil
Vice President: Anbra Kibbeh
Executive Secretary: Souad Itani
Treasurer: Randa Koreitem
Recording Secretary: Dina Saade Habbal
Members: Jihane Hallak Makki
Jacqueline Khayat Inglessis
Lana Othman
Bahia Daouk El Turk
Amal Chehab Alwan
Raida Haidar
Wafaa Al-Samadi
Jamal Mazboudi
Muna Bou Ezza Gezairi
The League is a member of:
• Al Quds Institution (Jerusalem Institution)
• The Coordination Forum of the NGOs Working Among the Palestinian Community
• The Lebanese Women Council
• The Lebanese Union for Child Welfare
• The International Democratic Women Union
• It also participates in conferences/ congresses that take place in some of the Arab countries and in conferences and activities held in Lebanon.
PAWL has received the Welfare Prize for achievement (Abdel Aziz Shakhshir Prize) for the year 2009.
History
Education
Since its establishment, PAWL has been active in philanthropic, social and humanitarian fields. PAWL bought a plot of land in the Lebanese town of Souk El-Ghareb on which it built the School of Children’s Happiness “Beit Isa’d Al Tufula” through the generous contributions of donors who will never be forgotten by hundreds of children who passed through the school. The school sheltered 750 Palestinian, Lebanese and Arab children and orphans. It took care of educating and training them till the Brevet class until the Israeli invasion to Lebanon in 1982 which destroyed the buildings, and the children had to be evacuated.
In order to encourage university and technical education, PAWL initiated scholarships in the name of Mrs. Wadea Khartabil, the founder and the first president of PAWL, to be given to successful and needy students. One of the students just successfully completed her M.D. which PAWL is much proud of.
Aid / Relief
During the 1967 war, PAWL was one of the first to answer the calls for helping the refugees from Palestine and sending aid to Jordan, Syria and the rest of the concerned Arab countries. PAWL opened centers in several Palestinian Refugee Camps: Burj El Chemali-Tyre, Ein El Helweh- Saida, Naher El-Bared-Tripoli, Sabra and Burj El Barajneh-Beirut, in addition to its headquarters in Caracas, Beirut, and continues to provide relief whenever needed.
Micro-Credit
In its continuous efforts to alleviate the living conditions of the poor, and to allow a sustainable income for the Palestinian families, PAWL established its first micro-credit activity in 2001. From there, PAWL took further steps towards enlarging its micro-credit fund and started other projects with other multi-national organizations.
Post-Conflicts Economic Recovery
Facing the wars and conflicts, PAWL reacted towards the communities devastation in North and in the South of Lebanon, and through the collaboration with its donors / “Friends”, PAWL was the first to launch economic recovery projects. “It was foreseen that aid for economic recovery was essential before the provision of any micro-credit services.”
Palestinian Embroidery
In contribution to reviving the Palestinian heritage and creating job opportunities for Palestinian women, PAWL activated its embroidery project “Jouzour”.
“The way forward”
With all transparency and professionalism, and with its continuous efforts to build its capacity and infrastructure, PAWL will continue to serve both the Palestinian and the Lebanese communities. We will keep focus on economic development of the poor, which we consider as a major factor in improving quality of the society’s structural, educational, and health conditions.
MICRO CREDIT PROJECTS
IGASS Project - Small & Medium Loans
Income Generating Activities and Social Solidarity in Five Palestinian camps in Lebanon (IGASS), funded by the European Union, and for the first 3 years was in partnership with Ricerca e Cooperzione.
The project’s objectives are to improve the living conditions of Palestinians residing in camps and to increase their income by providing loans, technical assistance and business support services. Also the project aims to create job opportunities and to encourage women to initiate their own business.
Loans are provided to small and medium entrepreneurs working in the industrial, agricultural, construction, and other non-trade based businesses. Loan amount ranges from $2,000 to $40,000. Grace period is up to 6 months and repayment schedule stretches up to 3 years.
Project Objectives
The project’s objectives are to improve the living conditions of Palestinians residing in camps and to increase their income by:
1- Providing loans
2- Providing technical assistance and business support services
3- Creating jobs.
4- Building capacity.
5- Encouraging women to initiate their own income generating activities.
Project Guidelines & Selection Criteria
The selection of beneficiaries is based on the following criteria:
1- Sustainable income generating projects.
2- Loan value $2,000 and $40,000
3- The beneficiary is known for his/ her good reputation
4- The beneficiaries age ranges between 25 and 60years
5- Projects adhere to environmental and sanitary standards
MLP PROJECT - Group Micro-Lending
The Micro lending project funded by the Palestinian Arab Women League and the Medical Aid for Palestinians is a group lending project.
This initiative enables Palestinian people living in the camps to initiate and/or sustain small businesses and helps them secure their families. The collective aspect of the activity also builds mutual trust and strengthens solidarity between individuals within the same community.
Loans are provided to micro entrepreneurs working in any business sector. Loan amount starts at $500 and may extend to $1,000 at the second loan cycle. Grace period is one month and repayment schedule if one for year.
Target Group:
Palestinian Refugees living in the camps, with emphasis on:
• Women
• Youth
• Project that employ the largest number of workers
Project Selection Criteria:
- The social status
- Market Needs
- Number of beneficiaries
- Good reputation of the applicant
- Creativity
- Experience
- The beneficiaries age ranges between 25 and 60years
- Enthusiasm/ Persistent person
- Priority for group projects
- Group harmony (Solidarity)
Focus was provided to Women, and project has succeeded in mobilizing them to initiate their small business activities. 43% of project beneficiaries are women.
Empowering Nahr El-Bared Returnees/Displaced to Transition from Crisis to Recovery (funded by the Big Lottery Fund & Welfare Association):
The Palestinian Arab Women League (PAWL) started this four-year project in October 2008 in NBC with the aim of helping entrepreneurs who lost their small businesses to re-start and revive their means of livelihoods. The project main component is to provide loans and capacity building to entrepreneurs who lost their small businesses during the NBC conflict.
Loans are provided to small entrepreneurs working in any business sector. Loan amount averages to $3,000. Grace period is up to 6 months and repayment schedule is up to 3 years.
Project Selection Criteria:
- An income generating activity
- A sustainable project
- Applicant age between 21-65 years
- The applicant is known for his good reputation
- Project adheres to environmental and health standards
- Project’s location and number of geographically close competitors
- Productive establishment
The following issues are to be taken into consideration:
1. Encouraging women to start their own income generating activity.
2. Priority is given to projects which serve a larger number of beneficiaries (Opens employment opportunities).
Business Development Services (BDS) & Training
Business Development Services (BDS)
Our Business Development Services aim at building the capacity of micro and small entrepreneurs. Those services target our beneficiaries/clients, and are provided at no cost. They start from the stage when the entrepreneur applies for a loan/aid. A team of experts studies with the entrepreneur his/here project elements, and assess needs in terms of location, equipment, raw material/stock, marketing efforts, and his/here skills and experience. Entrepreneurs are supported to have an exposure on the market, and are helped in building a simplistic Business Plan to launch a healthy operation. Till end of 2008, 1,997 enterprises have benefited from our Business Development Services.
98% of our beneficiaries/clients are running sustainable enterprises, knowing that more than 20% of them started new businesses upon receiving loans from PAWL. This high rate of success goes back to the BDS provided.
Training
With its effort to further build the capacity of micro and small entrepreneurs within the Palestinian Community, PAWL provided a series of training workshops to its beneficiaries/clients with, at no cost. In collaboration with Oxfam-Quebec, PAWL has developed a series of 8 training workshops, designed and delivered to micro and small entrepreneurs.
Till today, more than 1,500 entrepreneurs, 58% were women who attended those workshops. PAWL continues to provide this type of training for its beneficiaries/clients, and was sub-contracted by other INGOs, namely Premiere Urgence – World Vision – Danish Refugee Council, to conduct similar trainings for their beneficiaries.
PALESTINIAN HERITAGE
JOUZOUR
The word “Jouzour” means “Roots”. The Palestinian embroidery goes back to 500 years. It is unique both for its cultural and social meanings. In the past, a woman’s hometown could be identified by the pattern and the colors of the design of her dress.
“This art has taken new meanings through the time, turning from being the expression of women’s village identity to the cultural expression of the Palestinian Identity”
The embroidery project of the Palestinian Arab Women League “JOUZOUR” aims to contribute in the revival of this art, and to help women reach economic independence.
Besides the embroidery on cushions and table centers, bags, slippers, najaf shawls, blouses, dresses, and other items, JOUZOUR introduced modern items such as side lamps, curtains, bed sheets and other items.
JOUZOUR participates in many exhibitions and has an all year exhibition in Beirut. For more details, please contact our main office on :+961-1-752254.
Projects Management
Both IGASS & MLP projects operate through its headquarters office located in Beirut at PAWL central office and through its field offices located in four camps namely, Nahr El Bared, Burj El Barajneh, Ein El Helweh, and Burj El Shamali with two field officers (or camp coordinators) in each camp.
In Brief, both projects have the following Structure:
Central Head Quarter
• Management/Credit Committee (Three board members-volunteers): Supports the project director, monitors the achievement of projects’ targets, and participates in the Credit Committee to approve the projects to be financed.
• Project Director: The director manages the overall operations, builds the operating plans, and monitors the budget and expenditures.
• Social Expert: Monitors the social component and Conducts Fundraising activities.
• Technical Unit (A Manager and two experts): Screens and filters Loan Applications according to project Criteria and Guidelines, Interviews applicants and conducts feasibility studies, assesses beneficiaries’ support needs, coordinates loan disbursement process with bank, monitors repayments with Field Officers, troubleshoots problematic projects, and capacity building of beneficiaries.
• Accountant: Performs bookkeeping activities, bank reconciliations, produces financial statements and arranges payments of taxes, produces “Budget Vs. Actual Costs” report.
• Secretary: Keeps proper archives and documentation of project equipment, correspondence and material, supervises the proper function and maintenance of office equipment, assists in the logistical organization of trainings and workshops, organizes and keeps updated records of personnel vacations.
• Driver: Driving and keeping the cars in good conditions.
Field Offices in 4 Camps
• Field Offices (8 officers in 4 camps): Outreach and publicity of organizations’ programs, filling of applications and acquiring the needed documents from applicants, and inquiring about applicants’ credibility in their community, follow up of beneficiaries’ progress and repayments.
Third Parties (Out-Sourcing)
• Consultants: Three consultants were contracted to provide assistance and ensure legality of procedures and processes, in addition to assistance in IT matters:
a. Lawyer
b. Senior Accountant
c. External Auditor
d. Computer Company (Maintenance Contract)
e. Software Engineer (Software Development)
PAWL Organigram
PAWL Projects Resources
(Summary)
Currently, the PAWL is managing the 3 micro-credit project with the following resources:
• Human Resources:
a. 3 Board Members-Volunteers
b. 18 Paid staff and management
c. 5 Contracted Consultants and servicing parties
• Infrastructure:
a. Offices: 5 furnished and equipped offices including the Headquarters.
b. Information Technology:
i. Personal Computers: 18 PCs
ii. Accounting and Payroll Software
iii. Credit Management Software
iv. Internet connectivity
v. Network Connectivity
• Vehicles: 3 Cars.
• Financial Resources:
a. Micro-Credit Revolving Funds:
i. IGASS Revolving Fund: US$ 200,000
ii. MLP Revolving Fund: US$ 700,000
iii. Welfare – NBC Fund: US$ 187,500
b. Operating Budget:
i. 80% covered by generated interest
ii. 20% covered by Partners
• Procedures and Documentation systems:
a. Documentation – Forms:
i. Application Form
ii. Projects Assessment Report (By Field Officers)
iii. Follow up report (To keep track of financed businesses)
iv. Rejection Form (For historical archiving)
v. Organizational Chart
vi. Terms of Reference (Job description for each post)
b. Procedures:
i. Flow charts of “Projects Cycle”
ii. Projects “Selection Criteria & Guidelines”
iii. Project “Operational Procedures”
iv. Field Officers Role in the project cycle
v. Project Manual: (Under Development)
PAWL Achievements
Micro-Credit Projects
Description Value
Total Portfolio $1,087,000
Cumulative No. of Beneficiary 3,925
Outstanding Portfolio $871,000
Active Borrowers 1,250
Portfolio at Risk (PAR) 3.5%
Post Wars Economic Development Projects
In the past few years, more specifically, since the year 2006, Lebanon had been through wars and conflicts. The war of 2006 had a drastic impact on Lebanon’s economy, and that of South have been directly damaged. Moreover, the Nahr El-Bared war, in 2007, left both the Palestinian and Lebanese communities devastated.
PAWL took an active role in both crises to relief, at a first stage, then to work with the international community and donors on economic recovery in many areas, both in the South and the North of Lebanon. Economic Recovery was in terms of providing aid to rehabilitate business premises, restoring business equipment, and acquisition of products/raw material.
The following is a list of Economic Recovery Projects under-taken by PAWL in response to the damages enterprises had during the war of 2006 and that of Nahr El-Bared in 2007. Beneficiaries were provided training on Business Management Skills in addition to the Business Development Services they received upon financing their projects:
. Donor Location # of Bene-
ficiaries Employment
Opportunities # of Trainees (Business Management Workshops)
Oxfam – Quebec Ein El-Helweh and Burj El-Shamaly Camp & Gatherings 400 504 407
Welfare Association Nahr El-Bared Camp 30 50 -
Canada Fund Nahr El-Bared 27 48 54
Oxfam – Quebec Nahr El-Bared 40 69 100
Oxfam GB Nahr El-Bared 107 170 75
Total 604 841 636
PAWL Partners
Partner Organization المؤسسة الشريكة
Oxfam – Quebec أوكسفام - كيبيك
Welfare Association مؤسسة التعاون
Canada Fund الصندوق الكندي
Canadian Fund for Social Development (CFSD) الصندوق الكندي للتنمية الإجتماعية
Oxfam-GB أوكسفام بريطانيا
European Commission- Humanitarian Aid (ECHO) دائرة المساعدات الإنسانية التلبعة للمفوضية الأوروبية
Danish Refugee Council (DRC) المجلس الدانمركي للاجئين
Big Lottery Fund بيغ لوتري فند
Since 1956
PROFILE
Profile
The Palestinian Arab Women League (PAWL) is a non-profit, non-governmental organization. Founded in Lebanon by an active group of Palestinian and Lebanese women in 1950, PAWL was officially registered in 1956 (Registration no. 1180) to answer to the Palestinian People’s needs who were living under extremely difficult social, economic and humanitarian circumstances. From there on, PAWL started its long journey towards its goal:
“To foster social and economic development of Palestinian communities in Lebanon”
Its president and then honorary president, Mrs. Wadea Kaddoura Khartabil, played a significant role in founding, activating, and representing PAWL in the international and local conferences and assemblies, supporting rights of the Palestinian people, while reflecting the importance of women’s role in the development process. Mrs. Samia Al-Ayoubi Khartabil continuous the path, and is presently the PAWL president.
After a long history of activities in the field of education and relief, and following the latest innovations in the development field, PAWL adopted the international standards of community development by re-polishing its strategies to accommodate micro-credit activities. As of 2001, PAWL built its capacity and developed further to be among the first NGOs providing financial services to the Palestinian communities all over Lebanon.
Board of Directors:
President: Samia Al-Ayoubi Khartabil
Vice President: Anbra Kibbeh
Executive Secretary: Souad Itani
Treasurer: Randa Koreitem
Recording Secretary: Dina Saade Habbal
Members: Jihane Hallak Makki
Jacqueline Khayat Inglessis
Lana Othman
Bahia Daouk El Turk
Amal Chehab Alwan
Raida Haidar
Wafaa Al-Samadi
Jamal Mazboudi
Muna Bou Ezza Gezairi
The League is a member of:
• Al Quds Institution (Jerusalem Institution)
• The Coordination Forum of the NGOs Working Among the Palestinian Community
• The Lebanese Women Council
• The Lebanese Union for Child Welfare
• The International Democratic Women Union
• It also participates in conferences/ congresses that take place in some of the Arab countries and in conferences and activities held in Lebanon.
PAWL has received the Welfare Prize for achievement (Abdel Aziz Shakhshir Prize) for the year 2009.
History
Education
Since its establishment, PAWL has been active in philanthropic, social and humanitarian fields. PAWL bought a plot of land in the Lebanese town of Souk El-Ghareb on which it built the School of Children’s Happiness “Beit Isa’d Al Tufula” through the generous contributions of donors who will never be forgotten by hundreds of children who passed through the school. The school sheltered 750 Palestinian, Lebanese and Arab children and orphans. It took care of educating and training them till the Brevet class until the Israeli invasion to Lebanon in 1982 which destroyed the buildings, and the children had to be evacuated.
In order to encourage university and technical education, PAWL initiated scholarships in the name of Mrs. Wadea Khartabil, the founder and the first president of PAWL, to be given to successful and needy students. One of the students just successfully completed her M.D. which PAWL is much proud of.
Aid / Relief
During the 1967 war, PAWL was one of the first to answer the calls for helping the refugees from Palestine and sending aid to Jordan, Syria and the rest of the concerned Arab countries. PAWL opened centers in several Palestinian Refugee Camps: Burj El Chemali-Tyre, Ein El Helweh- Saida, Naher El-Bared-Tripoli, Sabra and Burj El Barajneh-Beirut, in addition to its headquarters in Caracas, Beirut, and continues to provide relief whenever needed.
Micro-Credit
In its continuous efforts to alleviate the living conditions of the poor, and to allow a sustainable income for the Palestinian families, PAWL established its first micro-credit activity in 2001. From there, PAWL took further steps towards enlarging its micro-credit fund and started other projects with other multi-national organizations.
Post-Conflicts Economic Recovery
Facing the wars and conflicts, PAWL reacted towards the communities devastation in North and in the South of Lebanon, and through the collaboration with its donors / “Friends”, PAWL was the first to launch economic recovery projects. “It was foreseen that aid for economic recovery was essential before the provision of any micro-credit services.”
Palestinian Embroidery
In contribution to reviving the Palestinian heritage and creating job opportunities for Palestinian women, PAWL activated its embroidery project “Jouzour”.
“The way forward”
With all transparency and professionalism, and with its continuous efforts to build its capacity and infrastructure, PAWL will continue to serve both the Palestinian and the Lebanese communities. We will keep focus on economic development of the poor, which we consider as a major factor in improving quality of the society’s structural, educational, and health conditions.
MICRO CREDIT PROJECTS
IGASS Project - Small & Medium Loans
Income Generating Activities and Social Solidarity in Five Palestinian camps in Lebanon (IGASS), funded by the European Union, and for the first 3 years was in partnership with Ricerca e Cooperzione.
The project’s objectives are to improve the living conditions of Palestinians residing in camps and to increase their income by providing loans, technical assistance and business support services. Also the project aims to create job opportunities and to encourage women to initiate their own business.
Loans are provided to small and medium entrepreneurs working in the industrial, agricultural, construction, and other non-trade based businesses. Loan amount ranges from $2,000 to $40,000. Grace period is up to 6 months and repayment schedule stretches up to 3 years.
Project Objectives
The project’s objectives are to improve the living conditions of Palestinians residing in camps and to increase their income by:
1- Providing loans
2- Providing technical assistance and business support services
3- Creating jobs.
4- Building capacity.
5- Encouraging women to initiate their own income generating activities.
Project Guidelines & Selection Criteria
The selection of beneficiaries is based on the following criteria:
1- Sustainable income generating projects.
2- Loan value $2,000 and $40,000
3- The beneficiary is known for his/ her good reputation
4- The beneficiaries age ranges between 25 and 60years
5- Projects adhere to environmental and sanitary standards
MLP PROJECT - Group Micro-Lending
The Micro lending project funded by the Palestinian Arab Women League and the Medical Aid for Palestinians is a group lending project.
This initiative enables Palestinian people living in the camps to initiate and/or sustain small businesses and helps them secure their families. The collective aspect of the activity also builds mutual trust and strengthens solidarity between individuals within the same community.
Loans are provided to micro entrepreneurs working in any business sector. Loan amount starts at $500 and may extend to $1,000 at the second loan cycle. Grace period is one month and repayment schedule if one for year.
Target Group:
Palestinian Refugees living in the camps, with emphasis on:
• Women
• Youth
• Project that employ the largest number of workers
Project Selection Criteria:
- The social status
- Market Needs
- Number of beneficiaries
- Good reputation of the applicant
- Creativity
- Experience
- The beneficiaries age ranges between 25 and 60years
- Enthusiasm/ Persistent person
- Priority for group projects
- Group harmony (Solidarity)
Focus was provided to Women, and project has succeeded in mobilizing them to initiate their small business activities. 43% of project beneficiaries are women.
Empowering Nahr El-Bared Returnees/Displaced to Transition from Crisis to Recovery (funded by the Big Lottery Fund & Welfare Association):
The Palestinian Arab Women League (PAWL) started this four-year project in October 2008 in NBC with the aim of helping entrepreneurs who lost their small businesses to re-start and revive their means of livelihoods. The project main component is to provide loans and capacity building to entrepreneurs who lost their small businesses during the NBC conflict.
Loans are provided to small entrepreneurs working in any business sector. Loan amount averages to $3,000. Grace period is up to 6 months and repayment schedule is up to 3 years.
Project Selection Criteria:
- An income generating activity
- A sustainable project
- Applicant age between 21-65 years
- The applicant is known for his good reputation
- Project adheres to environmental and health standards
- Project’s location and number of geographically close competitors
- Productive establishment
The following issues are to be taken into consideration:
1. Encouraging women to start their own income generating activity.
2. Priority is given to projects which serve a larger number of beneficiaries (Opens employment opportunities).
Business Development Services (BDS) & Training
Business Development Services (BDS)
Our Business Development Services aim at building the capacity of micro and small entrepreneurs. Those services target our beneficiaries/clients, and are provided at no cost. They start from the stage when the entrepreneur applies for a loan/aid. A team of experts studies with the entrepreneur his/here project elements, and assess needs in terms of location, equipment, raw material/stock, marketing efforts, and his/here skills and experience. Entrepreneurs are supported to have an exposure on the market, and are helped in building a simplistic Business Plan to launch a healthy operation. Till end of 2008, 1,997 enterprises have benefited from our Business Development Services.
98% of our beneficiaries/clients are running sustainable enterprises, knowing that more than 20% of them started new businesses upon receiving loans from PAWL. This high rate of success goes back to the BDS provided.
Training
With its effort to further build the capacity of micro and small entrepreneurs within the Palestinian Community, PAWL provided a series of training workshops to its beneficiaries/clients with, at no cost. In collaboration with Oxfam-Quebec, PAWL has developed a series of 8 training workshops, designed and delivered to micro and small entrepreneurs.
Till today, more than 1,500 entrepreneurs, 58% were women who attended those workshops. PAWL continues to provide this type of training for its beneficiaries/clients, and was sub-contracted by other INGOs, namely Premiere Urgence – World Vision – Danish Refugee Council, to conduct similar trainings for their beneficiaries.
PALESTINIAN HERITAGE
JOUZOUR
The word “Jouzour” means “Roots”. The Palestinian embroidery goes back to 500 years. It is unique both for its cultural and social meanings. In the past, a woman’s hometown could be identified by the pattern and the colors of the design of her dress.
“This art has taken new meanings through the time, turning from being the expression of women’s village identity to the cultural expression of the Palestinian Identity”
The embroidery project of the Palestinian Arab Women League “JOUZOUR” aims to contribute in the revival of this art, and to help women reach economic independence.
Besides the embroidery on cushions and table centers, bags, slippers, najaf shawls, blouses, dresses, and other items, JOUZOUR introduced modern items such as side lamps, curtains, bed sheets and other items.
JOUZOUR participates in many exhibitions and has an all year exhibition in Beirut. For more details, please contact our main office on :+961-1-752254.
Projects Management
Both IGASS & MLP projects operate through its headquarters office located in Beirut at PAWL central office and through its field offices located in four camps namely, Nahr El Bared, Burj El Barajneh, Ein El Helweh, and Burj El Shamali with two field officers (or camp coordinators) in each camp.
In Brief, both projects have the following Structure:
Central Head Quarter
• Management/Credit Committee (Three board members-volunteers): Supports the project director, monitors the achievement of projects’ targets, and participates in the Credit Committee to approve the projects to be financed.
• Project Director: The director manages the overall operations, builds the operating plans, and monitors the budget and expenditures.
• Social Expert: Monitors the social component and Conducts Fundraising activities.
• Technical Unit (A Manager and two experts): Screens and filters Loan Applications according to project Criteria and Guidelines, Interviews applicants and conducts feasibility studies, assesses beneficiaries’ support needs, coordinates loan disbursement process with bank, monitors repayments with Field Officers, troubleshoots problematic projects, and capacity building of beneficiaries.
• Accountant: Performs bookkeeping activities, bank reconciliations, produces financial statements and arranges payments of taxes, produces “Budget Vs. Actual Costs” report.
• Secretary: Keeps proper archives and documentation of project equipment, correspondence and material, supervises the proper function and maintenance of office equipment, assists in the logistical organization of trainings and workshops, organizes and keeps updated records of personnel vacations.
• Driver: Driving and keeping the cars in good conditions.
Field Offices in 4 Camps
• Field Offices (8 officers in 4 camps): Outreach and publicity of organizations’ programs, filling of applications and acquiring the needed documents from applicants, and inquiring about applicants’ credibility in their community, follow up of beneficiaries’ progress and repayments.
Third Parties (Out-Sourcing)
• Consultants: Three consultants were contracted to provide assistance and ensure legality of procedures and processes, in addition to assistance in IT matters:
a. Lawyer
b. Senior Accountant
c. External Auditor
d. Computer Company (Maintenance Contract)
e. Software Engineer (Software Development)
PAWL Organigram
PAWL Projects Resources
(Summary)
Currently, the PAWL is managing the 3 micro-credit project with the following resources:
• Human Resources:
a. 3 Board Members-Volunteers
b. 18 Paid staff and management
c. 5 Contracted Consultants and servicing parties
• Infrastructure:
a. Offices: 5 furnished and equipped offices including the Headquarters.
b. Information Technology:
i. Personal Computers: 18 PCs
ii. Accounting and Payroll Software
iii. Credit Management Software
iv. Internet connectivity
v. Network Connectivity
• Vehicles: 3 Cars.
• Financial Resources:
a. Micro-Credit Revolving Funds:
i. IGASS Revolving Fund: US$ 200,000
ii. MLP Revolving Fund: US$ 700,000
iii. Welfare – NBC Fund: US$ 187,500
b. Operating Budget:
i. 80% covered by generated interest
ii. 20% covered by Partners
• Procedures and Documentation systems:
a. Documentation – Forms:
i. Application Form
ii. Projects Assessment Report (By Field Officers)
iii. Follow up report (To keep track of financed businesses)
iv. Rejection Form (For historical archiving)
v. Organizational Chart
vi. Terms of Reference (Job description for each post)
b. Procedures:
i. Flow charts of “Projects Cycle”
ii. Projects “Selection Criteria & Guidelines”
iii. Project “Operational Procedures”
iv. Field Officers Role in the project cycle
v. Project Manual: (Under Development)
PAWL Achievements
Micro-Credit Projects
Description Value
Total Portfolio $1,087,000
Cumulative No. of Beneficiary 3,925
Outstanding Portfolio $871,000
Active Borrowers 1,250
Portfolio at Risk (PAR) 3.5%
Post Wars Economic Development Projects
In the past few years, more specifically, since the year 2006, Lebanon had been through wars and conflicts. The war of 2006 had a drastic impact on Lebanon’s economy, and that of South have been directly damaged. Moreover, the Nahr El-Bared war, in 2007, left both the Palestinian and Lebanese communities devastated.
PAWL took an active role in both crises to relief, at a first stage, then to work with the international community and donors on economic recovery in many areas, both in the South and the North of Lebanon. Economic Recovery was in terms of providing aid to rehabilitate business premises, restoring business equipment, and acquisition of products/raw material.
The following is a list of Economic Recovery Projects under-taken by PAWL in response to the damages enterprises had during the war of 2006 and that of Nahr El-Bared in 2007. Beneficiaries were provided training on Business Management Skills in addition to the Business Development Services they received upon financing their projects:
. Donor Location # of Bene-
ficiaries Employment
Opportunities # of Trainees (Business Management Workshops)
Oxfam – Quebec Ein El-Helweh and Burj El-Shamaly Camp & Gatherings 400 504 407
Welfare Association Nahr El-Bared Camp 30 50 -
Canada Fund Nahr El-Bared 27 48 54
Oxfam – Quebec Nahr El-Bared 40 69 100
Oxfam GB Nahr El-Bared 107 170 75
Total 604 841 636
PAWL Partners
Partner Organization المؤسسة الشريكة
Oxfam – Quebec أوكسفام - كيبيك
Welfare Association مؤسسة التعاون
Canada Fund الصندوق الكندي
Canadian Fund for Social Development (CFSD) الصندوق الكندي للتنمية الإجتماعية
Oxfam-GB أوكسفام بريطانيا
European Commission- Humanitarian Aid (ECHO) دائرة المساعدات الإنسانية التلبعة للمفوضية الأوروبية
Danish Refugee Council (DRC) المجلس الدانمركي للاجئين
Big Lottery Fund بيغ لوتري فند
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