MFW today is a successful national MFI with a proven reputation for service and performance

1. Staying responsive to a diverse set of client needsWomen European Microfinance NetworkLuxemburgNovember, 2009

2. MFW today is a successful national MFI with a proven reputation for service and performance • Largest MFI in Jordan - Serving over 40,000 entrepreneurs, 96% women • Broad and deep client outreach • Strong, diversified funding position • Proven operational performance in service delivery - Consistently strong portfolio quality and efficient delivery • Strong financial performance - Consistently achieving positive returns on assets and equity • Recognized as a leader – Rated A- by Planet Rating, recipient of the “Best Microfinance Investment in the Arab World” award • Certificate of excellence in Microfinance Best Practices by Sanabel, 2008 • 2009 Award Certificate for reporting on Social Indicators to MIX

3. As we talk about designing tailored products, it is key to understand financial capacity of our clients by segment Microenterprises • Continuous cash flow and reinvestment in business • Income from microenterprise is the main source of family income • Mostly located outside of households Segmentation of Microfund Clients 15% of clients Stable Income-Generating Activities and Businesses in Expansion • Women with continuous income-generating activities (all home based) • Net income from economic activities is about 45% of total family income 25% of clients Seasonal Income Generating Activities or Start-up Businesses • Women with occasional income generating activities (all home based) • Net income from economic activities is supplementary to other family income 60% of clients Note: Segmentation developed through survey of clients conducted April 2004. Segments determined by size of business profit.

4. MFW clients’ capacity to absorb additional financing differs significantly by segment Microenterprises Signifcant capacity to absorb additional financing Stable Income-Generating Activities and Businesses in Expansion Limited capacity to absorb additional financing Seasonal Income Generating Activities or Start-up Businesses No capacity to absorb additional financing Note: Segmentation developed through survey of clients conducted April 2004. Segments determined by size of business profit.

5. MFW’s Current Product Offer by Segment Tadamon Loans • Loan amount: 200 – 500 JD Seasonal Loans • Loan amount: up to 200 JD Maternity Loans • Loan amount: up to 250 JD Tatweer Loans • Loan amount: 500 – 5,000 JD Maternity Loans • Loan amount: up to 250 JD Tadamon Loans • Loan amount: 200-500 JD Bedaya • Very small loans for clients starting business activities • Loan amount: up to 100 JD Maternity Loans • Loan amount: up to 250 JD

6. Customer Satisfaction with MFW’s current products (from the WWB/MFW gender study, MFW conducts client satisfaction surveys on a systematic basic) Income Generating Businesses (Tadamon) Clients Microenterprise (Tatweer) Clients Key areas of satisfaction • Diversity of loans • Group size • Good treatment from staff Key areas of dissatisfaction • Loan amount for repeat loans • Installment amount • Turnaround time • Key areas of satisfaction • Guarantee requirements • Other requirements to get a loan • Easy process • Key areas of dissatisfaction • Loan amount • Installment amount

7. New products respond to customer needs and payment capacity

8. MFW’s New Product Development Strategy by Segment Focus on expanding the credit product offer Leasing (2009) • Loan amount: from 5,000 JD • Up to 36 months Housing Improvement (2010) Focus on expanding the non-credit product offer Caregiver insurance • In partnership with an insurance provider Training • Vocational training courses