Romania—Bank Leumi

Client: European Bank for Reconstruction and Development

Duration: 2008-2010

Region: Eastern Europe and Central Asia

Country: Romania

Solutions: Economic Growth

Bank Leumi Romania (BLR) is a small bank that had a market share of just 0.3 percent at the beginning of the project in 2008. It wants to increase this to about 3.0 percent by the end of 2012. Bank Leumi recognized small and medium enterprise (SME) lending as a key area of growth in the Romanian economy and accordingly identified this segment as a strategic priority in the medium- to long-term. DAI helped create policies and procedures for SME lending and trained staff in SME lending methodology and supported management in implementing this lending program in at least 18 branches. Two long-term experts, permanently based at the bank, were supported in this task by short-term experts on marketing and credit scoring.

Sample Activities

  • Provide institutional and capacity building.
  • Create policies and procedures for lending to small and medium enterprises.

Select Results

  • Monitored loan portfolio performance and reporting to client
  • Trained on financial forecasting and portfolio monitoring.
  • Reviewed lending practices and developed new SME lending methodology and products.
  • Designed and developed a credit scoring model.
  • Coached and trained staff in lending skills and credit analysis.
  • Advised on and supported marketing activities.


Jordan—Strengthening of Institutional Capacities for Micro and Small Enterprises Lending (FINCA Jordan)

With one of the smallest economies in the Middle East, Jordan depends heavily on micro, small, and medium enterprises (MSMEs) to drive growth and generate jobs. However, due to a lack of access to business loans, Jordanian MSMEs have not been able to reach their full economic potential, contributing to a shortage of employment opportunities currently, and potentially for years to come.

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