Table I Annual Growth Rate of Registered Palestine Refugees and Female Percentage,

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Table I Annual Growth Rate of Registered Palestine Refugees and Female Percentage, 1953-2000 Year Total Refugee Population Annual Growth Rate* Number of Females Female (%) 1953 870,158.. 430,483 49.5% 1955 912,425 1.9%... 1960 1,136,487 2.9%.... 1965 1,300,117 2.9%.... 1970 1,445,022 2.5%.... 1975 1,652,436 2.7% 803,030 48.6% 1980 1,863,162 2.2% 905,606 48.6% 1985 2,119,862 2.6% 1,033,054 48.7% 1990 2,466,516 3.8% 1,204,644 48.8% 1995 3,246,044 4.9% 1,588,505 48.9% 2000 3,737,494 3.1% 1,831,806 49.0% * Annual growth rate is the percentage growth in the number of refugees registered with UNRWA. As a number of registered refugees don t register immediately the new births and deaths, the annual growth in the registered refugees is an approximation of the annual growth rate of the refugee population. In the period between 1990-1995, refugee registration increased. Palestinian refugees (about 5 million) represent approximately 18% of the total number of refugees in the world. UNRWA registered refugees represent approximately three quarters of Palestinian refugees world-wide. Table II Registered Palestine Refugees in Camps and as a percentage of the Total Registered Refugees, 1953-2000 Year Total Refugee Population Refugee Population in Camps Refugee Population in Camps (%) 1953 870,158 300,785 34.6% 1955 912,425 351,532 38.5% 1960 1,136,487 409,223 36.0% 1965 1,300,117 508,042 39.1% 1970 1,445,022 500,985 34.7% 1975 1,652,436 551,643 33.4% 1980 1,863,162 613,149 32.9% 1985 2,119,862 805,482 38.0% 1990 2,466,516 697,709 28.3% 1995 3,246,044 1,007,375 31.0% 2000 3,737,494 1,211,480 32.4% Roughly every second Palestinian in the world is a recipient of UNRWA services.

Table III Registered Palestine Refugee Population by Age Group and by Field as of June, 2000 Field Jordan West Bank Gaza Strip Lebanon Syria Agencywide % of Total Population Age Group < 6 192,727 58,542 145,191 35,599 49,814 481,873 13% 6-15 350,333 140,027 230,778 77,677 83,130 881,945 24% 16-25 312,672 110,185 145,975 67,659 72,365 708,856 19% 26-35 259,446 86,591 103,285 63,390 59,824 572,536 15% 36-45 152,402 62,471 70,105 47,860 44,386 377,224 10% 46-55 108,156 46,499 52,074 30,149 26,742 263,620 7% > 55 194,456 78,694 77,214 54,138 46,938 451,440 12% Total 1,570,192 583,009 824,622 376,472 383,199 3,737,494 100% Around 56% of Palestine refugees are under 25 years of age, indicating a youth bulge. Figure 1 Registered Palestine Refugee Population by Age Group, as of June, 2000 - Percentages 60 and over 51-59 41-50 Female 31-40 21-30 Male 11-20 0-10 600,000 400,000 200,000 0 200,000 400,000 600,000

Around 47% of Palestine refugees are under 20 years of age, and 64% of Palestine refugees are under 30 years of age. Table IV Demographic Data and Demographic Indicators, as of June 2000 Jordan West Bank Gaza Strip Lebanon Syria Agency-wide Demographic Data and Indicators Registered Refugees 1,570,192 583,009 824,622 376,472 383,199 3,737,494 Registered Female Refugees 764,306 287,658 404,968 185,055 189,819 1,831,806 Population below 16 years of age 34.6 34.1 45.6 30.1 34.7 36.5 (%) Camp Population 280,191 157,676 451,186 210,715 111,712 1,211,480 Percentage of Camp Population to Total Registered Refugees 18%% 27% 55% 56% 29% 32% Number of Camps 10 19 8 12 10 59 Infant Mortality Rate per 1000 32 27 33 35 29 31.2 Live Births Average Family Size 5.9 5.8 6.0 5.3 5.3 5.7 Crude Birth Rate per 1000 Population in 1998 34.0 33.7 35.6 24.6 33.0 32.2 Definitions: Infant mortality rate is the number of deaths of infants under one year of age during the indicated year per 1000 live births in the same year. Crude birth rate is the number of live births occurring during the year, per 1000 population estimated at midyear. Amongst the Palestine refugees, the crude birth rate of the registered refugees in Lebanon (about 24.6) is the lowest rate; the crude birth rate of the registered refugees in the Gaza Strip (about 35.6) is the highest rate. As a comparison, the crude birth rate of the registered refugees in the Gaza Strip is just lower than the crude birth rate in the sub- Saharan African countries (more than 40 on average). Amongst Arab countries, the crude birth rate of the registered Palestine refugees (32 per 1000) comes second after Saudi Arabia, which has the highest crude birth rate (34 per 1000) in the region. The infant mortality rate of the registered Palestine refugees is about 32 per 1000, which is average amongst the Arab countries.

Figure 2 Distribution of Registered Palestine Refugees Region of Origin, as of January 2000 Galilee 19% Jerusalem 14% Haifa 11% Samaria 4% Lydda 29% Gaza 23% Table V Distribution of Registered Palestine Refugees by Place of Origin and by Field, as of January 2000 Region of origin Jordan West Bank Gaza Strip Lebanon Syria Agencywide Jerusalem 319,145 191,713 1,550 1,826 2,384 516,618 Gaza 266,203 38,869 544,859 515 1,885 852,331 Lydda 625,332 172,015 271,244 31,627 23,834 1,124,052 Samaria 57,581 71,637 1,293 505 620 131,636 Haifa 158,532 96,530 4,352 70,722 86,297 416,433 Galilee 138,607 12,408 583 271,347 268,341 691,286 Total 1,565,400 583,172 823,881 376,542 383,361 3,732,356 Around 42% of registered Palestine refugees are presently in Jordan and 38% are in the West Bank and Gaza Strip. Refugees registered with UNRWA originate from 1948 Palestine, or what is now present-day Israel (not from the West Bank and the Gaza Strip). Most refugees from Lydda fled to Jordan, most refugees from the Galilee went to Lebanon and Syria, most refugees from Samaria fled to the West Bank, and those from the Gaza Area fled to the Gaza Strip. These six regions are based on UNRWA registration codes of districts and sub-districts of places of origin in pre- 1948 of Palestine: Jerusalem: Jerusalem, Ramallah, Hebron Bethlehem Lydda: Jaffa, Ramle, Lydda, Rechovet Haifa: Haifa, Hedera, Shafa 'Amr Gaza: Gaza, Khan Younis, Al- Magdal, Isdud, Beersheba Samaria: Tulkarm, Nablus, Jenin, Natanya Galilee: Nazareth, Beisan, Tiberias, Acre, Safad

Figure 3 The Number of Special Hardship Cases (Individuals) by Field, 2000 200 SHC 6% Non SHC 94% Gaza 71,064 (9%) 150 In Thousands 100 50 West Bank 28,132 (5%) Syria 26,594 (7%) Lebanon 40,519 (11%) Jordan 40,841 (3%) 0 1983 1985 1987 1989 1991 1993 1995 1997 1999 2000 In 1982, UNRWA ceased distribution of food rations to all registered refugees and began to focus instead on those refugees most in need, the Special Hardship Cases (SHCs). They represent about 6% of the total registered Palestine refugees in 2000. Proportionately, Lebanon has the highest percentage of SHCs (about 11% of the Palestine refugees in Lebanon benefit from the SHC programme), while Jordan has the lowest percentage (about 3%). This is due to the fact that the level of socio-economic integration of refugees in Jordan is relatively the highest while in Lebanon it is the lowest of UNRWA's areas of operation.

Table I Distribution of Social Services Centres by field and type of service in UNRWA in 2000 Location Agency-wide Jordan West Bank Gaza Strip Syria Lebanon Women Centres 71 21 15 10 15 10 Youth Centres 27 0 18 8 0 1 Community Rehabilitation 36 10 13* 7 5 1 Centres Total 135 31 46 25 20 12 * 2 of the CRCs in the West Bank do not receive UNRWA financial support. Women's Programme Centres (WPCs) Beginning in the early fifties and until 1987, the Agency set up women's training Centres that provided courses in sewing, health education and nutrition or home economics. Since 1987, the women's programmes centres include a legal literacy programme and legal advice bureau, which provide awareness training and advice on a wide variety of legal and civic matters. Last year, the programme was able to respond to the needs of 18,000 women of different ages. Community Rehabilitation Centres (CRCs) There are over 6,700 people who are being assisted through the CRCs. The activities at the CRCs include programmes devised to respond to the needs of the visually impaired, classes for children with cerebral palsy, classes for the mentally disabled, occupational therapy, diagnosis, evaluation and speech therapy. Youth Activities Centres (YACs) Youth Activities Centres have offered sport and recreational facilities, continuing education, leadership training, civic awareness and community action to thousands of participants since 1959. The YACs offer services to more than 12,000 youth today. All Community Rehabilitation Centres (CRCs) and Youth Activities Centres (YACs) are financially self-support; eight of the 71 Women's Programme Centres (WPCs) are financially self-supporting; 54 have reached partial financial sustainability and only nine Centres are still totally dependent on UNRWA's support.

Income Generation (Micro-finance and Micro-enterprise) Programme Table II Number of Accumulative Loans Awarded Distributed by Field, 1995-2000 location West Bank Gaza Strip Total 1995/1996 102 2,216 2,318 1996/1997 164 6,916 7,080 1997/1998 908 16,626 17,534 1998/1999 2,769 23,988 26,757 1999/2000 4,343 28,225 35,568 In 1991, the Income Generation Programme in the West Bank and Gaza Strip created employment and improved living conditions through loan programmes for small and micro-enterprises. In 1999, UNRWA's micro-finance programme in Gaza won the AGFUND (Arab Gulf Programme for United Nations Development Organisations) international prize for pioneering work in development. The Income Generation Programme includes 4 sub-programmes: 1. The micro-enterprise credit programme is the largest of the four sub-programmes. Since its inception, the programme has provided 13,443 loans valued at $14.48 million to 6,076 individuals. 2. The solidarity group lending sub-programme supports short-term working capital loans to women working in micro-enterprises or women micro-enterprise owners who are considered the poorest of the enterprising poor. By the end of June 2000 it had provided 13,999 loans valued at 10.26 million to 4,977 women in the Gaza Strip. 3. The small-scale enterprise sub-programme, the oldest of the Agency's credit schemes, provides both working capital and investment loans to new and established businesses in the industrial and service sectors to promote job creation, exports and imports. With a capital base of $7.93 million, the programme has distributed a total of 810 loans valued at $12.58 million and sustained a recovery rate of 95.16 %. 4. The small and micro-enterprise training sub-programme provides non-financial services to the business community and contributes to employment generation and soci-economic development by supporting small business development and encouraging enterpreneurship through business training. It has offered 40 training courses for 810 participants. Table III Values (in US$) of Accumulative Loans Awarded by Field, 1995-2000 location West Bank Gaza Strip Total 1995/1996 1,333,060 8,288,597 9,621,657 1996/1997 2,257,307 13,788,800 16,046,107 1997/1998 3,982,824 23,601,601 27,584,425 1998/1999 6,020,511 32,672,736 38,693,247 1999/2000 6,991,765 37,320,962 44,312,727

Figure 1 Repayment Rate (%) Distributed by Sub-Programme, since inception Repayment Rate (%) 100 95 90 85 80 75 70 65 60 55 50 90 Micro-enterprise credit 95 Solidarity group lending 93 Small-scale enterprise Source: Micro-finance and Micro-enterprise Programme, monthly report for November 2000