Banyan Global completed a diagnostic of the Access to Credit Program (ACP), a microfinance program of CHF International’s. ACP was a home-improvement loan program in the West Bank and Gaza, but has expanded to include business loans and loans made with 100-percent ACP participation. Banyan Global’s diagnostic provided CHF with an in-depth understanding of ACP’s operations and identified areas for strengthening as ACP transforms into a local and independent organization. The review covered all aspects of ACP’s operations including organizational structure, policies and procedures, reporting, loan process, staffing, communications, and management oversight. Recommendations were made to help strengthen the organization.