This report concerns the second stage of the scheme ( AFS ) which covers the period of August- December ( 20 working days). In this period, the following points were followed up :small credit loans were applied to banks and financial institutions . Microfinance institutions and banks are focusing on collateral despite that some credit applications concern viable projects. Three credit loans amounting JOD 5000, were approved by Bank of Jordan and extended to applicants and finally the members of Jordan Hotels Association, Jordan Restaurants Association and Jordan Inbound Tours Operators Association were not interested to obtain finance through our scheme.