- One of Kafalah's most important objectives is to motivate financiers to support the small and medium enterprises sector through financing guarantees allocated to promising sectors and entrepreneurs.
- Guarantee programs emerge globally in times of crisis to maximize the benefit of government initiatives and support the stability of the financial economy.
- Several initiatives were launched with SAMA, the most important of which was the "Guaranteed Financing" Initiative to counter the economic effects of Covid-19 with a guarantee covering up to 95% of the value of the financing and a profit margin of 4% along with exemption from fees.
- The Program contributed to support the growth of requests for guarantees issued to female entrepreneurs by up to 186% and in promising regions and emerging cities by up to 124%, and thus the growth of the Program's contribution to public funding in Saudi Arabia by 10%, with a value of 15.2 billion riyals.
Another important initiative with SAMA is the “Deferred Payment Program", which has been applied at three phases, first of which was from the date of Program launching on 14 March 2020 until the 14th of September, where payments amounted to SAR 50.6 billion for the value of contracts amounted to 31,851. The second phase, which ended on the 14th of December 2020, amounted to SAR 27.8 billion with 23,000 contracts, while the last phase, which will run until 31 March 2021, has payments value amounted up to 34,367 and contracts value of 46.5 billion as of 28, January 2021.