Loans with Dignity.
Impact that Lasts.

Amid war, inflation, and sanctions, Israelis are facing an economic crisis. Ogen’s social loans provide financial security, building lives instead of debt.

Ogen is Israel’s leading nonprofit social lender, delivering economic stability, financial guidance, and a community of supporters committed to building our future together.

Israel’s Financial First Responders: There in moments of crisis. Committed to lasting change.

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Circular Loans:
Repaid and Reinvested

They bring their potential, we provide the access

Your contribution becomes a lifeline, credit and guidance for families, businesses, and nonprofits left behind by traditional financial institutions and banks.

Not charity, our social loans are repaid, reinvested, and life-changing. We empower Israelis of every background, faith, and region to build with dignity. Learn more about Ogen’s unique blended finance model click here

30+

years of on-the-ground proven expertise in
social lending

$657m+

in loans
issued

85,000+

beneficiaries
supported

100%

nonprofit,
transparent, and impactful

The gift that keeps on giving

A young family struggling
to buy their first home

An entrepreneur affected by the economic strife of war
ready to pivot

A nonprofit expanding its impact to support those in need

Every Ogen loan creates a ripple effect:

Businesses

Each loan supports 3–5 employees and their families, affecting up to 17 lives, and 5–10 local suppliers.

Families

Ogen loans reduce household debt by an average of 54%, changing entire family trajectories.

Nonprofits

Every loan enables nonprofits to impact around 1,000 people, amplifying community support.

Sustainable Impact

With ultra-low default rates: 0.65% families, 0.5% nonprofits, 2.8% businesses, loans are repaid with pride and reinvested to help the next borrower.

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Testimonials

We turned to Ogen when the war started and we needed help that season to grow our unique Asian vegetables. Thanks to them we continue to grow. With the additional capital, we added a greenhouse and expanded our crops

Watch the video
Maya and Sharon CherryCherry Farm, Be’er Milka
Maya and Sharon Cherry
The war with Iran hit our city hard. We had a 100% decline in business. I turned to Ogen and immediately received a loan and a mentor. The application process was fast and easy. This is the loan that will revive my business.
Khier Diabowner of Kheir Orglu delicacies, Tamra
Khier Diab
We were evacuated from the house for about a year and a half. Our home suffered a lot of damage. A friend told me about Ogen’s evacuee renovation loans. Thanks to Ogen, their amazing team, my daughter and I can return to our home, feel comfortable, and know that the renovation won’t take years.

Watch the video
Kalphon Avraham GeeKiryat Shmona
Kalphon Avraham Gee
Running a business is a very lonely position. Even if you are surrounded by all the loving people in the world, they don’t understand what it means to run a business. Ogen honestly, genuinely, cares. I am so grateful to Ogen for helping businesses like mine succeed. I doubled my income through this program, learned how to manage and have three new employees. I think there is nothing more special than helping people grow and support themselves and support others.

Watch the video
Loti RosehthalHaredi women’s business program
Loti Rosehthal

Ogen Provides:

Up to
$14,000

in interest-free loans per family to cover essentials, avoid debt traps, and plan ahead

Up to
$185,000

per small business in low-interest small business loans to sustains supply chains, protects jobs, and keeps local economies alive

Local recovery and growth hubs

access to volunteer mentors networks and financial counseling for long-term success

Blog

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No Less Than 6% of Israel’s GDP Depends on Donations—Mostly from the U.S.
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Make your commitment and give them their share of dignity today

  • Decades of experience in financial inclusion
  • Trusted by donors and families alike
  • Serving all communities across Israel
  • Transparent, measurable, and lasting impact
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FAQ

Ogen, originally IFLA (Israel Free Loan Association) is a nonprofit social finance organization providing affordable credit and financial mentoring to individuals, small businesses, and nonprofits in Israel. Our mission is to promote financial resilience and economic opportunity for those who need it most.

Your donation directly supports Ogen’s ability to provide interest-free loans for families and low-interest loans to small businesses and nonprofits in Israel. Contributions help us expand access to responsible credit and provide mentoring to ensure financial stability and growth.

Yes. Ogen is a registered nonprofit organization, and donations are tax-deductible in Israel, the U.S., Canada, the UK, and other countries through our partners. Please refer to our donation page for specific tax-deductible options. Click here

  • Credit card or bank transfer through our secure online platform

  • Bit 

  • Checks or wire transfers (contact us for details)

  • Donor-advised funds (DAFs) and other philanthropic giving platforms

  • Legacy giving and planned donations

For more information, click here.

 Yes. You can set up a monthly or annual recurring donation to provide ongoing support. Simply select the recurring donation option when making your gift through JGive. You can also set up a Name Loan Fund (NLF) fund to support a specific cause or demographic, creating a lasting impact. Click here to learn more.

A receipt will be sent automatically via email for online donations. If you donate by check or bank transfer, please contact us with your details, and we will issue a receipt.

Yes. When making your donation, you can dedicate it in honor or memory of a loved one. We can also send a personalized acknowledgement to the recipient upon request.

Absolutely. We work with corporations, foundations, and philanthropic partners to create tailored giving opportunities. Contact us to discuss partnership options.

Yes. With a donation of $10,000 or more, you can establish a named loan fund to support a specific cause or demographic, creating a lasting impact. Named Loan Funds support our interest free-loans for families and individuals. With the repayments we can continue giving out loans from the same fund, expanding your opportunity of giving. NLF donors receive a detailed report annually (or upon request) showing the number of loans made from the fund, payments returned and monies available for new loans at the time of the report. Click here to learn more

Ogen provides regular reports to donors on the impact of their Name Loan Funds contributions.  NLF donors receive a detailed report annually (or at any time upon request) showing the number of loans made from the fund, payments returned and monies available for new loans at the time of the report. You can also learn about Ogen’s social impact in our quarterly financial report and annual reports here. 

We primarily focus on financial donations, but we are always happy to connect and discuss potential in-kind support such as professional services may be beneficial. Reach out to discuss how you can help.

Yes. We use industry-standard encryption and security measures to ensure your donation is safe. Your payment details are processed securely and are not stored on our servers.

If you have any questions about donating, tax receipts, or impact reports, please contact our resource development team.

Yes. In addition to donations, Ogen offers impact loans where investors can provide low-interest capital to support our loan funds. These investments generate social impact while offering modest financial returns. To learn more click here.

Ogen provides two main impact investment options:

  • Impact Investments – Investors provide capital that is used to issue low-interest loans to small businesses and nonprofits. Investors receive a modest return.

  • Social Bonds & Structured Investments – Ogen partners with financial institutions to structure investment vehicles that combine capital market returns with measurable social impact.To learn more contact us.

Ogen’s investment model prioritizes social impact, and financial returns vary based on the investment type. Loan fund investors typically receive a modest fixed return, while structured investment options may offer different financial terms. For specific details, please contact our resource development team.

Ogen operates under strict financial oversight, adheres to regulatory compliance standards, and implements rigorous risk assessment measures to ensure responsible lending. Our loan portfolio performance is regularly reviewed, and investors receive detailed impact and financial reports. 

You can donate online, via wire transfer, or by contacting our resource development team for customized giving options. We provide regular updates on how risk cushions enhance Ogen’s lending capacity, including borrower success stories. For more details, reach out to here.

A risk cushion is a financial safety net that allows Ogen to provide more loans by absorbing potential losses. Ogen’s borrowers are largely unable to provide guarantors. The people we serve do not have access to peers who are willing or able to co-sign on a loan, particularly at this moment of economic uncertainty. As such, we have a different method to manage risk.

Instead, Ogen’s favorable loan terms are made possible by philanthropic risk mitigation funds. These are grants or grant guarantees which aren’t lent out but serve to create a first-loss reserve. In the event that any borrower is unable to repay a loan, the risk mitigation fund covers the effective loan loss. Your donation strengthens Ogen’s financial resilience, enabling us to issue more loans and increase our impact.

Donating to a risk cushion has a multiplier effect: it helps Ogen take on more lending risk, making capital accessible to more borrowers than a direct loan fund alone would allow. You can direct your donation to specific borrower groups, and all contributions are managed responsibly to maximize long-term impact. Donations are tax-deductible in Israel, the U.S., and other applicable regions.

For more information about investment opportunities, financial terms, and impact reporting, please contact our resource development team.

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Ogen is Israel’s trusted leading nonprofit social lender. Since our inception in 1990, our goal is to strengthen Israel’s economic foundation by delivering inclusive, affordable credit and expert guidance to those left behind by the traditional financial system. Our blended finance model empowers families, small businesses, and nonprofits to achieve lasting financial security.

*All rights reserved to Ogen — Israel Free Loan Fund (R.A.), Ogen — Social Loan Fund, LTD (CC), Keren-Shemesh, A member of the Ogen Group, LTD (CC)