embarked on a plan to allow everyone to have access to critical financial services. Solfeh's vision is “to make obtaining loans easy, simple, and painless.” The importance of a well-defined program in Solfeh is more than ever before. To this end, Solfeh needs to design systematic approaches that respond to their specific clients, lending methodologies, operating environments, and financial and social performance objectives. Our targeted clients and markets have a problem with their personal cash flow. Where their average incomes are relatively equal to their average expenses which makes them have no disposable income to spend allowing an imbalance in their cash. Which makes them have several barriers to access income from other parties. So, in the case of an emergency (Childcare, Healthcare, Education, Debt Consolidation …etc) they are not well prepared to pay for which creates a burden.