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CEO Note


Mr. Homam has earned a Bachelor of Information Systems from King Fahd University of Petroleum & Minerals in 1990 AD. He worked at several Saudi banks and financing companies for 24 years, and attended many advanced training courses in the field of finance, risk mitigation and financial consultancy. He also served as an international consultant for Visa International, and representative of the Middle East and North Africa region.

Mr. Homam held many leading positions in the field of finance, until he joined the Kafalah Program in 2017.

Foreword by CEO​​

SMEs sector in the Kingdom of Saudi Arabia receives great attention and care by the government of the Custodian of the Two Holy Mosques and His Royal Highness​ the trustworthy Crown Prince, may God protect them, and we see that clearly in providing all means of success, growth and prosperity for SMEs and in supporting all programs allocated to them.

The Small and Medium Enterprises Financing Guarantee Program “Kafalah Program" is one of the national programs specialized in serving the SMEs sector in the Kingdom. We are happy to serve, through this Program, this generous country and participate in increasing the percentage of SMEs contribution to the Gross Domestic Product (GDP) from 20% to 35% according to Saudi Vision 2030.

Homam Abdulazi​z Hashem

Kafalah's ​​CEO​