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Q2 2022 Investor Newsletter

liwwa’s economic impact for the first half of 2022:

We are excited to announce that the first half of 2022 has been our most successful in terms of lending and economic impact provided in the local economy. Since the beginning of this year, we have underwritten a record-breaking $16 million in loans, reaching $82+ million since our operations began.

Your investments supported:

1,732 jobs in H1 $42m in economic output $5.9m in income for Jordanians in H1 and 8,628 jobs all-time to the Jordanian economy in H1 and $29m all-time and $196m all-time

Question from an investor

Loans are written off when it becomes highly unlikely that the remainder of the loan will be recovered. These are typically loans that are significantly delinquent and when the collection process is not yielding positive recovery outcomes. When a loan is written-off, your overall account value and growth will decrease to reflect the loss of your remaining outstanding investment in the loan. Collections efforts continue regardless of the write-off and if successful, any collected amounts will be disbursed to your account. Write-offs are part of the normal course of business in SME lending, as not every loan will fully repay due to unexpected business disruptions that our thorough credit assessment cannot fully predict. This highlights the importance of portfolio diversification because in a diversified portfolio consisting of hundreds of loans, a write-off will often be offset by the profits from other loans, with account value and growth quickly recovering to their previous levels. Historically, write-offs at liwwa have been only 1.15% of all lending, and liwwa investors have earned median returns of 13.2%.

Along with our revamped website that we released earlier this month, we are delighted to inform you that we have released a new feature for our Auto-Invest tool that will give you more investment options and make it even easier to invest with liwwa. If you are happy with our new platform and the features that we’ve released - refer a friend, family member, or co-worker to invest with liwwa. Any new investor referred to the platform will receive $10 to begin their investment experience. When the referred investor adds $500 or more to their investment account, the referrer will also receive $50 as a token of gratitude.

Referral Process

Simply, email [email protected] introducing the new investor (cced) to liwwa. After the new investor completes the registration and onboarding process, the liwwa team will add $10 to the new investor’s account to begin investing.

New Auto-Invest feature!

Along with our revamped website that we released earlier this month, we are delighted to inform you that we have released a new feature for our Auto-Invest tool that will give you more investment options and make it even easier to invest with liwwa.

Investors now have the capability to invest evenly across liwwa’s entire loan portfolio, taking the guess-work out of investing. Alternatively, investors still have the ability to build personalized Au- to-Invest portfolios, with the “Custom Portfolio” feature. This allows you to tailor options such as; risk tolerance, investment horizon, and level of diversification. The liwwa team strongly recommends taking advantage of the Auto-Invest tool as it increases diversification, limits volatility, and has delivered higher returns on average than investors that manually choose which loans to include in their portfolios.

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Give us a Call

For Borrowers: +962 79 870 4070

For Investors: +962 79 858 2253

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257 Prince Mohammed Street,

Mezzanine Floor, Office #2, 3rd Circle

Amman, Jordan

* The historical return range is based on the annualized Internal Rate of Return (IRR) of liwwa investors' actual portfolios, taking into account late payments, defaults, write-offs, recoveries and service fees for all loans originated since 2013. The range represents the 15th to 85th percentile of returns for investors whose accounts have been open for at least 12 months. Individual results may vary. Historical performance is no guarantee of future returns, and the historical return range is not intended as investment advice or as a guarantee of the performance of investment opportunities.

Important Note: liwwa, Inc. does not guarantee investors a return and all investments carry risk, learn more about the investment risks. All transactions enabled through liwwa.com are subject to Terms of Service and the Investor Agreement.

All rights reserved. Copyright © 2022

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Give us a Call

For Borrowers: +962 79 870 4070

For Investors: +962 79 858 2253

icon-facebookicon-linkedinicon-instagramicon-twitter

* The historical return range is based on the annualized Internal Rate of Return (IRR) of liwwa investors' actual portfolios, taking into account late payments, defaults, write-offs, recoveries and service fees for all loans originated since 2013. The range represents the 15th to 85th percentile of returns for investors whose accounts have been open for at least 12 months. Individual results may vary. Historical performance is no guarantee of future returns, and the historical return range is not intended as investment advice or as a guarantee of the performance of investment opportunities.

Important Note: liwwa, Inc. does not guarantee investors a return and all investments carry risk, learn more about the investment risks. All transactions enabled through liwwa.com are subject to Terms of Service and the Investor Agreement.

All rights reserved. Copyright © 2022