IFC — a member of the World Bank Group — is the largest global development institution focused on the private sector in emerging markets. We work in more than 100 countries, using our capital, expertise, and influence to create markets and opportunities in developing countries. In fiscal year 2023, IFC committed a record $43.7 billion to private companies and financial institutions in developing countries, leveraging the power of the private sector to end extreme poverty and boost shared prosperity as economies grapple with the impacts of global compounding crises. For more information, visit www.ifc.org.

CGAP’s FinDev Gateway is a global knowledge-sharing platform in financial inclusion. Available in four languages — English, French, Arabic, and Spanish — FinDev enables practitioners to share lessons, views, and expertise through blog contributions, interviews, and webinar presentations. Each language site specializes in content relevant to its associated region.

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Delta Informatics is a professional software development company, founded in Amman in 1993.

Delta Informatics has strong expertise in developing industry focused software applications for Financial Institutions, Manufacturing Industries, e-services, Mobile Apps in addition to special Turnkey Solutions.

A comprehensive MIS solution for MFI's is one of the major products developed by Delta since 2002. It provides an integrated Loan Tracking, Incentive, Credit Risk, Micro- Insurance, Saving & Deposit, Financial and HR modules that suites the need of any MFI. It is developed using the new Oracle Java technology with the facilities of e-payments and mobile banking.

Delta's projects distributed in 20 countries in the Middle East, Asia, and Africa.

BalaBNK is a LendTech company offering a next-generation digital lending platform that provides instant, small-ticket nano-loans to help individuals manage unexpected expenses with speed, dignity, and flexibility. Built by a team of seasoned bankers, technologists, and entrepreneurs, BalaBNK addresses a deep structural gap in the MENA financial landscape—where more than 78% of people live paycheck-to-paycheck and nearly half of adults resort to informal borrowing each year. The platform integrates with official data sources, employers, and digital payment rails to automate the entire lending journey, from onboarding and credit scoring to instant disbursement and seamless repayment.

Supporting both conventional and Sharia-compliant credit models, BalaBNK adapts easily to diverse regulatory environments across the region. Its core mission is centered around financial inclusion, responsible lending, and enabling underserved populations to access the liquidity they need during life’s unforeseen emergencies.

Launching first in Jordan, BalaBNK will expand into additional regional markets through Banking-as-a-Service arrangements and institutional partnerships.

Objective:
At Sanabel 2026, BalaBNK will publicly unveil its platform for the first time and announce its strategic partnership with Tamweelcom in Jordan to advance responsible digital credit services and promote financial inclusion. This partnership brings together BalaBNK’s technology and Tamweelcom’s extensive microfinance expertise to introduce a new generation of instant, digital, data-driven, customer-centric lending solutions.

Tamweely is one of the leading companies in Egypt in financing medium, small, and micro enterprises. It was founded in 2017 with the vision of providing flexible financial solutions to underserved segments by traditional banks, especially micro-entrepreneurs, thereby contributing to their integration into the formal financial system and enhancing financial inclusion.

Since its inception, Tamweely has played an influential role in supporting the local economy by offering innovative financial products tailored to the needs of entrepreneurs. It has helped empower thousands of families and achieve greater economic and social stability in local communities. The company’s operations expanded rapidly to cover more than 230 branches across 24 governorates with around 4,000 employees.

Tamweely is distinguished by its commitment to the highest standards of governance and compliance. In 2025, it obtained the AML 30000 certification for anti-money laundering and the MSI 20000 certification for financial governance from the French organization COFICERT, in addition to ISO 9001 for quality management and ISO 27001 for information security. It also achieved the Gold Level in customer protection certification, affirming its commitment to ethical standards and safeguarding customer interests.

In 2025, the company increased its paid-up capital from EGP 150 million to 225 million EGP to support its expansion plans. It also adopted an advanced digital transformation strategy through a mobile application, chatbot services, electronic signature solutions, and e-KYC, making access to financing easier and enhancing operational efficiency.

The total financing provided by Tamweely since its establishment has exceeded 24.9 billion EGP, benefiting nearly 750,000 clients from various segments. This reflects the company’s significant impact in facilitating financial inclusion and advancing sustainable business ventures. The company also places special emphasis on women’s empowerment, with women representing about 51% of total beneficiaries.

Tamweely witnessed a major development in its ownership structure after a group of international investors acquired 100% of its shares in a deal exceeding 2.5 billion EGP. Among the investors were the European Bank for Reconstruction and Development (EBRD), British International Investment, SPE Capital, and Tanmiya Capital Ventures. This transaction reflects international institutions’ confidence in the strength of Tamweely’s business model and its future growth prospects, aligning with the state’s direction to enhance the role of the private sector.

Tamweely places sustainability at the core of its business. It partnered with DeCarbon to strengthen ESG practices and launched three green branches powered by solar energy in Minya, Fayoum, and Suez, alongside offering green financing products. In doing so, Tamweely continues to consolidate its position as a pioneering institution that combines financial growth with sustainable social and environmental impact.