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EMERGING ISLAMIC MICRO FINANCE . VISION. POVERTY ALLEVIATION THROUGH ENTERPRISE DEVELOPMENT. MISSION.

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Presentation Transcript
slide1

EMERGING

ISLAMIC MICRO FINANCE

slide2

VISION

POVERTY ALLEVIATION

THROUGH

ENTERPRISE DEVELOPMENT

slide3

MISSION

To support the Potential Poor in Pakistan break out of Poverty cycle by providing them with Need Based borrower friendly credit, Business development Services and advocating their rights.

slide4

SUSTAINABLE ORGANISATION

SUSTAINABLE

BORROWER

A BALANCED APPROACH TOWARDS

MICRO FINANCE

slide6

BOARD OF DIRECTORS

  • Mr. Mushtaq Pirzada CHAIRMAN
  • Dr. Shireen Zaffarullah GENERAL SECRETARY
  • Dr. Waseem Bano FINANCE SECRETARY
  • Mrs. Samina Islam MEMBER
  • Mr. Jawaid Tariq MEMBER
  • Mr. Raza Toor MEMBER
  • Mr. Abbas Khan MEMBER
  • Mrs. Khalil Ramdey MEMBER
  • Mrs. Naseera BokhariMEMBER
  • Dr. Tayyaba NasreenMEMBER
  • Eng. Arif ToorMEMBER
  • Mr. Razi-u-Din MEMBER
  • EXECUTIVE COMMITTEE
  • Dr. Shireen Zaffarullah
  • Dr. Waseem Bano
  • Mrs. Samina Islam
  • Mr. Abbas Khan
  • Mrs. Farida Tariq
  • AUDIT COMMITTEE
  • Dr. Waseem Bano
  • Mr. Raza Toor, ACA
  • Mr. Abbas Khan, FCA
  • *Mrs. Farida Tariq, CHIEF EXECUTIVE OFFICER
slide7

ISLAMIC FINANCE DEVELOPMENT TEAM

  • SHARIAH ADVISOR : Mufti IftikharBaig
  • SYSTEM DEVELOPMENT: Ernst & Young
  • Ford Rhodes SidatHyder & Co
  • LEGAL CONSULTANT: Saleem & Baig
  • Advocates
  • OPERATIONAL ADVISORS: CWCD
slide8

2007&2008 (30june)

Rs.172,350,000

14 Branch Offices

3 District

Vision 2010

Rs.1,000,000,000

30 Branch Offices

Punjab

TIME LINE

2005&2006

Rs.122,844,000

8 Branch Offices

1 District

2003&2004

Rs.12,583,000

2 Branch Offices

1 District

Enterprise Development Facility Introduced

2001&2002

Rs.1,753,500

1 Branch Office

1 District

  • DISTRICTS BEING SERVED:
      • Lahore
      • Sheikhupura
      • Gujranwala

1999&2000

Rs.658,000

1 Branch Office

1 District

slide10

BUSINESS SECTORS SERVED

  • Trading - 30%
  • Handicraft / Cottages – 24%
  • Manufacturing Light Engineering Works-15%
  • Services Sector – 9%
  • Retailing – 9%
  • Food Agricultural processing – 8%
  • Live Stock – 5%
slide11

HOW WE WORK?

  • TARGET ENTERPRISE:
    • with a capital volume of less than Rs. 500,000/-
    • (Avg. Enterprise Capital : Rs. 100,000)

PRODUCT PORTFOLIO:

slide12

……..CWCD MICRO FINANCE MODEL

  • We Serve POTENTIAL POOR
  • Targeting Business not Individual
  • Need Based Credit
  • Comparatively larger loan size
  • Group & Individual Lending
  • Social Collateral
  • Flexible Group size
slide13

BENEFITS OF

ISLAMIC MICRO FINANCE

  • Riba Free Operations
  • Shift of Focus to TRADING MODE
  • Better Internal Controls
  • Reduced Misutilization of Money in Non Productive Activities
  • Overall Benefits to Economic Environment
  • More Social Acceptability
slide14

Business Development Services

  • Vision Enhancement Sessions
  • Skill Enhancement Courses
  • Value addition in Product & Process
  • Branding, Packing & Packaging
  • Marketing Linkages & Sales Support
  • Supply Chain Development
  • Redesigning of Services Outlet
  • Participation in National, Regional Fairs &International Fairs
slide15

Health Insurance

Poor Borrowers need Health Insurance so that when they or their family gets ill their business don’t suffer.

CWCD – TAKAFUL

HEALTH PROJECT

  • OUTDOOR PATIENT FACILITY is being provided through health clinics developed alongside CWCD branch offices.
  • INDOOR PATIENT SERVICE at 14 Listed Hospitals of Takaful Pakistan Up to Rs.35,000/- per annum Limit. (also other hospital on reimbursement basis)
slide16

FUTURE PLANS

  • To Practice Real Islamic products like;
        • (Musharka & Mudarba)
  • To Develop into a TRADE FACILITATING HOUSE rather than a Lending Institution
  • Partnerships with Islamic Financial Institutions
  • Outreach Expansion
slide17

WHY INVEST IN CWCD?

  • Islamic Mode of Operations
  • Large Potential Market
  • Credit Risk covered through Takaful
  • Excellent Performance Record
  • Innovation and Development
  • Strong Social Responsibility Statement
slide18

Thank you

148- P, Model Town Extension,

Lahore, Pakistan.

Tel: (042) 5167135, (042) 5167658

Fax: (042) 5166954

www.cwcd.org.pk

[email protected]

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