Tag Archives: microfinance in Afghanistan

Job Placement Assistance

In many developing countries the connection between businesses who have the need for good employees and the employees finding these opportunities is missing.  This gap creates a situation for both employer and potential job seeker that has a negative impact on both.Tikkun Olam International believes that closing this gap is a critical need in reducing unemployment, improving livelihood, giving hope, and changing lives.  For these reasons T-O-I has created a successful Jobs Placement program.  Focused on helping the most at-risk people find full-time sustainable jobs.

Tikkun Olam International believes that closing this gap is a critical need in reducing unemployment, improving livelihood, giving hope, and changing lives.  For these reasons, T-O-I has created a successful Jobs Placement program.  Focused on helping the most at-risk people find full-time sustainable jobs.

Program participants undergo a screening process to identify their experiences, skills, knowledge, etc.  This process is the foundation to understanding what participants might immediately qualify for, and where they may strive to get to in the future.  In many cases ,the participants are illiterate or have a very limited education.  However, they are motivated to provide for themselves and their families, and just need an opportunity to prove their worth. Despite these challenges, T-O-I continues to successfully place participates in long-term opportunities.

How does the Job Placement Program work?

Potential participants contact T-O-I and request to join the program. The participant completes an application indicating relevant personal information, work experience, education, etc. A program mentor then interviews the candidate to assess his/her abilities, skills, and experience. All this information is profiled in the database of T-O-I.

Many of the candidates do not have a Resume/CV, have never gone through an interview process, and have no prior work experience.  In this situation, the T-O-I job placement team works to assist them in creating a Resume/CV, and to understand what skills they can offer a potential employer. When there is an appropriate job vacancy, the mentor will give detailed information to the candidate (hours, location, salary, etc.), discuss the vacancy with the candidate, and help set an appointment with the employer. The T-O-I job placement team helps the candidate prepare for the interview, which includes question preparation, how to dress, training on work place ethics, etc. After the candidate starts their new job, the T-O-I program mentor assigned to that candidate keeps contact with the employer and employee to ensure that this placement is satisfactory to both. The T-O-I job placement team meets once a month with all successful participants. During this time, T-O-I encourages mentors, and guides candidates on numerous job related and personal related items.  T-O-I’s one-on-one approach to mentorship and support of participants is a key to the programs success.  The goal is always long-term, sustainable, life changing livelihood improvement.

Who does the Job Placement Program Help?

The T-O-I job placement program focuses on helping the most vulnerable groups of people first: orphans, widows, disabled persons, etc.


At T-O-I, we believe that Micro-finance is a sustainable way to assist the poorest economically active people to improve their lives, provide jobs and livelihood for employees and their families and make a positive impact in their community as a whole. Our micro-finance loans allow clients to increase the size of their businesses to meet market demand and as a result create more income. With this income they are able to provide better schooling for their children, better housing for their family, more consistent food for their family, better healthcare for their family, etc. T-O-I directly impacts the multidimensional poverty indicators of its beneficiaries.

Additionally, as our clients grow their businesses they are generate a need for employees. Members of their community with the proper job skills meet this need. By providing a job for one member of the community you are not just providing for one person, but usually for a family of 4-8 people; 6 on average. Now the impact of a micro-finance loan that has allowed one business owner to increase his business has improved the lives of his family + his employee’s family = 12 people. We know that helping people improve their current business we can improve the lives of an exponential number of people, and this practice is already happening. By changing one life, we help countless other people.

What makes T-O-M program different?

T-O-M’s vision is to focus on building a world without poverty where people have access to resources and opportunities to improve their own lives.

T-O-M’s Mission:  Through micro-finance and skills development we enable the poor to improve their income and change their lives forever.

Social Performance of T-O-M principals:

“ No consumer loans, only business development to improve clients income and livelihood

“ We measure the improvement of the client’s financial situation before each partnership. If the client’s situation is has not improved we don’t give a partnership, but look at how to adjust the situation to improve the client’s situation. T-O-M must see improved income to the client and his family. T-O-M is interested on easing the burden on clients.

“ We measure the satisfaction of clients through surveys on T-O-M’s performance and staff following our core values.

T-O-M differs from other micro-finance companies, because our profits go back to the communities by way of social programs. T-O-M’s social performance department was created in January 2015.  The goal of this department is involved in measuring social performance and implementing social responsibility to build a strong relationship in the community, resolve racialism, fight against poverty, and help with the unemployment plague so many communities face today. T-O-M’s social performance department engages in helping some of the most at risk people. Providing job placement for orphans, widows and people with physical disabilities who tend to suffer more than the average person, especially in a downward economy.

Some of the Current Social Responsibility Programs of T-O-M:

“ The T-O-M Transition House that supports orphans as they transition from orphanage living to independent living.

“ Supporting economic empowerment through the Job Placement Program for Orphans, Widows, and those with physical disabilities.

“ Disaster Relief Program to serve communities when disasters occur.

“ DIY Handcraft Business start-ups for Afghan women and those with physical disabilities.

T-O-M currently is partnered with over 5,000 micro-businesses in Kabul, of which over 1,400 are businesses owned by women.  Since 2014, T-O-M has created over 110 jobs internally to Afghans.  To date, our Job Placement Program has placed 32 orphans, among them some with disabilities, 2 widows, and 1 man with a physical disability.  All of these people and are now self-sustainable, and in return contributing to the local economy. The T-O-M Transition House currently has 6 program participants and 10 more on the waiting list.  The DIY Handcraft Business Program is just getting off the ground this month with many anxious woman taking part.  The Disaster Relief Crew has already been out giving nonperishable food items to the victims and families of the Shah Shahid suicide attack that killed over 25 people and injured more than 400.  This is only the beginning of T-O-M’s work in Afghanistan. Join us in Repairing the World Together, One Life at a Time.

 TOM Performance Table, September 2015
 Number of Staff  151
 Number of active clients  5,198
 PAR (portfolio at risk) 30%  1.24%
 Gross Loan Portfolio (USD)   3,254,242
 Number of branches   2




Grand opening of new branch of Tikkun Olam Microfinance

Today, 1st of September 2015, more afghan people got an opportunity to improve their lives, because today T-O-M in Afghanistan has opened new branch.  The new branch opened its doors and welcomed all afghan people who are interested in developing their businesses.  T-O-M serves businesses and individual entrepreneurs by offering business investment services to help them develop their businesses.

Today governmental officials, district leaders and representatives of local and international NGOs came to the opening of the new branch. There were speeches given by the CEO of T-O-M and guests, such as the Executive Director of AMA, Najib Samim, wishing success to the new office.

The new microfinance product “musharaka” was also presented today during the opening. According to the Executive Director of AMA, T-O-M is a first company to offer the musharaka product to afghan businesses and the first company who will put it into practice.  According to the practices of other countries, musharaka is the most suitable for the economy of developing countries such as Afghanistan. T-O-M’s musharaka product conditions and requirements are based according to the Sharia law. All T-O-M business development officers are trained on the new product and have already provided services to clients.

T-O-M, as a part of T-O-I, has social performance and social responsibly at the core of its mission. Subsequently, the T-O-M Social Performance Manager introduced guests to the Social Performance and Social Responsibility programs being implemented by T-O-M. Currently a Transition Home for orphan boys, Job placement services for widows and orphans, handicraft design business development, and disaster relief programs are being targeted in Kabul.

At the end of the event there were fresh pastries served and guests were given souvenirs to remember the event.

We are grateful to be able to help and serve more people in Afghanistan. We believe that everyone has a right to opportunities that improve their lives and each person can help someone to Improve his/her life.