Ebdaa

Name

Ebdaa

Legal name

Al-Ibdaa Microfinance Company W.L.L.

Website

https://ebdaabahrain.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Microfinance

NAICS

Credit Intermediation and Related Activities (522), Depository Credit Intermediation (5221)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Microfinance lending
• Unsecured small business loans
• Women entrepreneur financing
• Islamic microfinance
• Youth startup loans

Headquarters

HQ city

Manama

HQ country

Bahrain

HQ region

Middle East

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Microfinance Loan Interest: Ebdaa generates revenue primarily through interest charges on microfinance loans, with an average monthly interest rate of 1.65% that varies depending on the product. The company offers both Islamic and conventional financing formats.
2. Loan Application Fees: Non-refundable application fees ranging from 3 BD to 50 BD depending on the loan product type (Seasonal, Saydati, Ebdaa, Najah, Amal, Tafawoq, Tamayouz, Tamayouz Plus).
3. Administrative Fees: 5% administrative fees up to 200 BD of financing amount, plus monthly rescheduling fees of 1.5% of installment, early settlement fees of 1.0% (or 100 BD whichever is less), and collection fees of 2 BD per client location.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Ebdaa is a Bahrain-licensed microfinance institution that provides unsecured small-ticket loans (100-10,000 BHD) to micro and small entrepreneurs under both Islamic and conventional financing formats. Its portfolio of eight specialized loan products targets women and youth-led home-based and licensed micro-enterprises, with the company also managing Princess Sabeeka bint Ibrahim Al Khalifa's women-empowerment portfolio in partnership with Tamkeen and the Supreme Council for Women.

Product overview

Ebdaa Bahrain is a microfinance institution offering a portfolio of eight distinct unsecured loan products targeting micro and small entrepreneurs in Bahrain, with particular focus on women and youth. The product suite ranges from entry-level home-based business loans (200-1,000 BHD) to larger established business financing (up to 10,000 BHD), with terms from 12 to 36 months. Core products include Saydati Loan (women-focused), Ebdaa Loan (men-focused), Najah Loan (growth financing), Amal Loan (commercial transition), Tafawoq Loan (licensed business flexibility), Tamayouz Loan (established business), Tamayouz Plus Loan (larger scale), and Mawsimi/Seasonal Loan (seasonal needs). All products offer collateral-free financing under Islamic and conventional formats. The company also provides an AI chatbot 'Mubdi3' for customer service. The portfolio is complemented by Princess Sabeeka's special financing portfolio for Bahraini women (valued at 1 million BHD) managed in partnership with Tamkeen and the Supreme Council for Women.

Differentiator

Problem solved

Functional benefit

Products and services

• Saydati Loan Unsecured loan product for women entrepreneurs running home-based businesses, providing 200-1,000 BHD repayable over 12 months with no traditional collateral requirements.
• Ebdaa Loan Collateral-free loan product for men with home-based businesses, offering 200-1,000 BHD repayable over 12 months.
• Najah Loan Growth financing loan of 600-1,400 BHD repayable over 18 months, designed for home-based or mobile business owners of both genders looking to expand working capital.
• Amal Loan Flexible financing for commercial, service, and industrial micro-projects, ranging from 1,000 to 2,400 BHD repayable over 24 months.
• Tafawoq Loan Flexible-repayment loan for licensed commercial, industrial, and service businesses, offering 1,000-7,000 BHD with repayment terms of 6-24 months.
• Tamayouz Loan Financing for licensed commercial, industrial, and service businesses, ranging from 1,500 to 7,000 BHD repayable over 36 months.
• Tamayouz Plus Loan Larger-scale business financing of 7,500-10,000 BHD repayable over 36 months, also available for new project startups under special conditions.
• Mawsimi (Seasonal) Loan Small seasonal financing of 100-800 BHD repayable over up to 10 months for seasonal business needs such as Ramadan and back-to-school periods.
• Mubdi3 AI Chatbot Assistant (مبدع) Arabic-language AI chatbot that handles customer inquiries about loan products, branch locations, working hours, FAQs, and job opportunities through conversational text interactions.

Quantifiable outcome

• 94.4% repayment rate demonstrates strong portfolio management
• +3 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature2 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Arab Open University - BahraincoreStrategic or Co-development Partner · 30 July 2025MoU signed to provide affordable educational loans to students and support student/graduate entrepreneurs. Includes development of skills, training programs for Ebdaa employees, joint research, and use of university facilities for training.
• Supreme Council for WomencoreStrategic or Co-development PartnerPartnership established in April 2010 to manage the financial portfolio of Her Royal Highness Princess Sabeeka bint Ibrahim Al Khalifa, valued at 1 million BHD, to provide small loans to Bahraini women for micro-projects. Loans range from 200-7,000 BHD repayable up to 3 years.
• Central Bank of Bahrain (CBB)coreStrategic or Co-development PartnerRegulatory authority that licensed Ebdaa as a microfinance institution. Provides regulatory framework and supervision for the microfinance sector in Bahrain.
• Bahrain Development Bank (BDB)minorStrategic or Co-development PartnerDevelopment finance partner supporting small business and entrepreneurship development in Bahrain.
• Eskan BankminorStrategic or Co-development PartnerHousing and development bank partner supporting Bahrain's housing and development initiatives.
• Key Link CorpminorImplementation/ SI/ Consulting PartnerBusiness consultancy company providing training workshops to Ebdaa staff. Conducted 'Be Unforgettable Seller' workshop to enhance sales skills. MoU being prepared to expand collaboration.
• Harfa Charity Foundation (Dukani Project)minorStrategic or Co-development PartnerEbdaa participates in comprehensive awareness sessions under the 'Dukani' project (Part Two of 'Israr wa Ebdaa' exhibition) organized by Harfa Charity Foundation to train productive families and entrepreneurs.
• Playfit Sport AcademyminorGTM or Marketing PartnerEbdaa sponsors Playfit Sport Academy, a specialist football training academy developing young talent in Bahrain. Sponsorship delivered in collaboration with one of Ebdaa's beneficiary clients.

Scale indicators6 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Al-Amal Microfinance (Yemen): Yemeni microfinance institution providing small loans to micro-entrepreneurs with a focus on women and rural populations. Comparable MENA microfinance operating context, customer segments, and unsecured loan product design.
• Tamweelcom: Jordan-based microfinance institution serving micro and small entrepreneurs with similar unsecured lending products, Islamic and conventional formats, and women-focused portfolios. Comparable product structure, customer segments, and MENA microfinance operating model to Ebdaa.
• Tanmeyah (Egypt): Egypt-based microfinance institution providing small business and consumer loans to underserved segments, including women and youth. Shares the MENA microfinance business model, Islamic/conventional financing options, and small-ticket unsecured lending focus.
• FINCA Jordan (FINCA Microfinance): Jordan-based MFI offering microcredit and small enterprise loans to underserved populations, including women entrepreneurs and youth. Operates under a similar hybrid funding model with international development backing and offers comparable unsecured, small-ticket loan products.
• Vitas Palestine: Palestinian microfinance institution offering small business loans, Islamic financing, and women-focused programs. Closely aligned with Ebdaa's hybrid Islamic/conventional model, microenterprise targeting, and development-bank affiliations.
• National Microfinance Bank (Tunisia): Tunisian microfinance institution providing small loans to micro-entrepreneurs with a focus on financial inclusion. Comparable to Ebdaa in targeting underserved populations and providing collateral-free, Islamic and conventional microcredit products.
• Bahrain Development Bank: Bahrain's state-owned development bank providing SME and entrepreneurship financing with subsidized terms. Operates in overlapping segments with Ebdaa's Tamayouz and Tafawoq products for licensed commercial and industrial businesses, and is a direct referral partner for higher-ticket borrowers.

Others

• AGFUND-affiliated Microfinance Banks: The Arab Gulf Programme for Development has established nine financial inclusion banks across the Arab world and Africa. Ebdaa sits within this family, with its Vice-Chairperson serving as AGFUND CEO. These sibling institutions share funding, governance links, and operational models, providing a regional benchmark and potential expansion pathway.

Broad incumbents

• Tamkeen (Bahrain Labor Fund): Bahrain's national labor fund providing enterprise development, training, and financing support to Bahraini entrepreneurs. Direct co-funding partner with Ebdaa on women's portfolios but a broader incumbent across employment and entrepreneurship support that competes for the same end-customer pool.

Emerging players

• Halan (Egypt): Egyptian fintech providing microfinance, consumer credit, and BNPL products to underserved segments through a mobile-first platform. Represents the emerging digital microfinance and embedded credit model that Ebdaa is pursuing via its digital transformation initiative.

Market position

Competitive moat5 records

Key risks5 records

Customer concentration

• Xx.com/ebdaabahrain

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ebdaa