Youth Loan Fund Survey in Yemen

As part of an Impact Evaluation, Apex was contracted to conduct a survey for both (treatment and control groups) on two separate phases. Phase I will start in parallel of providing the loans for the treatment group, and phase II will be held two years later. The purpose of the survey is to assess the impact and the changes occurred between the surveyed groups to find out how efficient was the new product and that will draw a wide picture for the changes that should be made to improve the youth programs and policies.

Selatich, in cooperation with George Town University, are funding the Amal Bank to design a new product that helps youth to have loans without the need for collateral. The new product considered as a pilot project that will help to assess the efficiency of the AMB youth programs and policies. Two groups of youth will be selected randomly to participate in the project, while the first group who meet the loan criteria will be selected randomly to have a loan to establish a new business though they don’t have guarantees (treatment group), the other group will not have a loan even they meet the loan criteria, yet they don’t have collateral (control group).