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National Microfinance Foundation review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

National Microfinance Foundation is a Yemeni direct lender built for adults who can offer a guarantee, with a fixed-rate model across personal and business lending. Loan amounts run YER 100,000 to YER 6,000,000 over terms of 6 to 12, and early repayment carries no fee at all.

Key facts

Best for
Yemeni borrowers with gold, shop or commercial guarantees seeking fixed-rate personal or business credit.
Loan amount
YER 100,000 to YER 6,000,000↗
Term
6 to 12 months↗
Funding time
Up to 3 days from application if all documents are ready↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Yemeni national; age over 18 and under 60; electronic ID card; stable residence preferably owned; able to provide required guarantees (gold, shop or commercial guarantee); not an active client of another financing programme↗
Loan types
Business, Personal, Secured, Credit-line↗
Legal entity
National Microfinance Foundation↗
Headquarters
Yemen↗
Founded
2003↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Credit line
Official website
nmfy.org

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Fixed-rate model, so the rate stays put for the life of the loan: fixed
  • Free early repayment, so clearing the balance early costs nothing
  • Lends directly rather than acting as a broker: direct lender
  • Draws sit short, with funding Up to 3 days from application if all documents are ready

Cons

  • Repayment terms are short at 6 to 12, shorter than most lenders on the site
  • Borrowers already with another financing programme are excluded under the eligibility rules
  • Support runs on email, phone and help centre, with no branch or in-person channel listed
National Microfinance Foundation

Ready to try National Microfinance Foundation?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Yemeni nationals with an electronic ID card and a stable residence
  • Borrowers who can put up gold, shop or commercial guarantees
  • Adults needing working capital for a small business

Who should look elsewhere

  • Anyone who cannot provide a guarantee, since the eligibility rules require one
  • Borrowers already taking part in another financing programme
  • Readers wanting long fixed-term personal loans, as terms here are 6 to 12

How National Microfinance Foundation compares

Where National Microfinance Foundation is available

Available
Yemen

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow and for how long?+

Loan amounts run from YER 100,000 to YER 6,000,000 as a range, and the repayment term is set by 6 to 12. That is a shorter window than many personal loan lenders offer, so monthly repayments are sized against a fairly brief period.

Is the interest rate fixed?+

Yes, the rate type is fixed and the pricing model is fixed rate. The rate is set when the loan is agreed and does not drift with market moves, which makes budgeting easier on a fixed repayment plan.

Can I repay early without a charge?+

Free early repayment is offered, so settling the balance before the end of the term carries no penalty. The term itself remains 6 to 12, so repaying sooner only reduces the interest you pay over the life of the loan.

How long does funding take?+

Funding is Up to 3 days from application if all documents are ready. That timeline assumes all documents are ready, so missing paperwork is the main thing that can slow a draw down.

Who can apply?+

Applicants must be Yemeni nationals holding an electronic ID card, with a stable residence that is preferably owned. You also need to provide required guarantees, which can be gold, a shop guarantee or a commercial guarantee.

Does the Foundation lend to anyone with another loan?+

The eligibility rules exclude borrowers who are active clients of another financing programme. Applicants already borrowing elsewhere for finance are therefore turned away, so any existing arrangement needs to be settled first.

What can I use the money for?+

The product list covers business, personal and secured, so borrowing suits both household needs and small business working capital. A credit line is among the features offered: credit line.

How do I get hold of the Foundation?+

Support runs on email, phone and help centre, giving you email, phone and a help centre to pick from. The Foundation is a direct lender, so you deal with the lender itself rather than a broker.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Credit check, Representative example.

National Microfinance Foundation

National Microfinance Foundation

Yemeni borrowers with gold, shop or commercial guarantees seeking fixed-rate personal or business credit.

9.2/10See alternatives