Humanitarianresponse Logo

Libya Cash & Markets WG - Tadawul Point of Sale (PoS) Monitoring


The liquidity crisis and weakness in the banking sector in Libya have created limitations to conventional methods of cash assistance to vulnerable households, including direct bank transfer. Beneficiaries often cannot access their installments in a timely or efficient manner due to withdrawal limits (below 1000 LYD per month for the majority of households), long wait times, or lack of hard currency available at banks. In light of these difficulties, the Cash and Markets Working Group (CMWG) has been collecting information on alternative cash delivery mechanisms in terms of time-cost efficiency, risks , appropriateness, and feasibility, notably via the Cash Delivery Mechanism Assessment conducted by Mercy Corps, ACTED, and the International Rescue Committee (IRC).


Building on the findings of this report, this exercise seeks to provide a more detailed picture of the Tadawul pre-paid card option in Tripoli, particularly in regards to pricing, geographic coverage, and items available to purchase at participating points of sale (PoS). ACTED obtained the below information based on secondary analysis of the PoS registry provided directly by Tadawul PoS between October 25th and 29th, 2017. Prices were then compared to price data collected in October by REACH and CMWG-led Libya Joint Market Monitoring Initiative (JMMI) on the selected food items in Tripoli (excluding known Tadawol shops from dataset). This was complimented by brief survey with PoS shop owners on their pricing and fee policies for purchases made with Tadawul. Findings are only intended to serve as an indication of potention limitations and advantages associated with the use of the Tadawul card in Tripoli, and by extension, inform the cash-based response.

Assessment Report: 
Publicly Available
Assessment Questionnaire: 
Publicly Available
Assessment Data: 
Publicly Available
Assessment Date(s): 
09 Nov 2017
Report completed
Population Type(s): 
All affected population
Leading/Coordinating Organization(s): 
Agency for Technical Cooperation and Development (ACTED)
Participating Organization(s): 
United Nations High Commissioner for Refugees