A New Era for Loan Guarantees: The Digital Transformation of Saudi Arabia’s Kafalah

Name: A New Era for Loan Guarantees: The Digital Transformation of Saudi Arabia’s Kafalah (English version)
SKU: A03250011

Abdulrhman Yousef Alahdal; Tom Hunsaker; Almutasembellah Alkhateeb

Product #:A03250011

Supplier:Thunderbird

Discipline:Strategy

Details:Case (PDF) • 10 pages • 2025-10-31 (Rev: 2025-10-31)

Subjects:

Strategy Organizational change

Industries:

Financial service sector

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$9.71

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This case explores the digital and cultural transformation of Saudi Arabia’s Kafalah program, a government-backed SME credit guarantee initiative. Under CEO Homam Hashem’s leadership (2017–2024) and in alignment with Saudi Vision 2030, Kafalah transitioned from manual operations to a fully digitized guarantee platform, Kafel 2. The transformation reduced approval time from 30 days to 37 hours and boosted SME financing by 129% year-over-year. The case highlights leadership, strategy execution, and innovation in aligning institutional goals with national visions.

Learning Objectives

Students will learn to understand the leadership principles needed to drive organizational transformation in the public sector; explore the challenges and opportunities of digital transformation within legacy systems; analyze how organizational strategy aligns with national economic visions (Vision 2030); evaluate the role of data, technology, and culture in improving service delivery; and critically assess sustainability and scaling strategies post-digital transformation.