Al-Watani (National Microfinance Bank) is a Jordanian private shareholding not-for-profit Company that works in the development of the local communities through enabling the underserved segments of society with proper access to the financial services in order to boost their participation in the economic activities and become energetically members in their society, to meet this aim Al-Watani is providing the income-generating projects with the needed finance for establishing or expending purposes along with spreading a culture of microcredit and entrepreneurship throughout the country.
Al-Watani also aims to implement a poverty alleviation strategy by significantly increasing the productivity of existing micro and small entrepreneurs of Jordan, particularly women, also providing services to improve the standard of living of our clients such as loans for education, health care, home improvement...etc., taking into consideration the needs of the current and potential clients for the non-financial services aiding them in improving their productivity through the training on the financial and managerial skills, facilitating the participation in the exhibitions and bazars, forming and managing the business networks, and much more.
Al-Watani maintains its competitive edge in the market by designing, piloting and rolling out different flexible loan products; opening a wide network of decentralized branches; and building strategic partnerships.  One of Al-Watani’s goals is to build a financially sustainable microfinance institution by employing cost efficient methodologies and accessing a board variety of financing sources.
 
In March 27, 2006 under the patronage of Her Majesty Queen Rania and His Highness’ Prince Talal bin Abdul-Aziz, Al-Watani disbursed its first loans and opened three branches. We now have fourteen branches throughout Jordan and serve over 38,000 clients through a variety of loan products including, education, health, home-improvement and business-related loans in amounts ranging from 300 to 70,000 USD. The repayment period ranges between 1 to 48 months depending on the cash flow of the business and the type of loan. In 2013, Al-Watani launched the micro-insurance (Inpatient health insurance) which provides clients with low-income and not covered by health insurance the opportunity to get excellent medical services and treatment, which would enable them to improve their standard of living and meet the various emergency conditions. With our diverse financial service offerings, we aim to promote productive projects and enhance the livelihoods of underserved members of Jordan’s society.