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Islamic microfinance : . An Instrument for Poverty Alleviation. B. 1. The background. The background. B. The facts about the low income society. 1. The low income segment is significant, particularly in developing countries ;

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slide1

Islamic microfinance:

An Instrument for Poverty Alleviation

slide2

B

1

The background

slide3

The background

B

The facts about the low income society

  • 1. The low income segment is significant, particularly in developing countries;
  • 2. There is a need to establish special vehicles to accommodate the low income society with appropriate financial facilities providing them fair chances to develop themselves, and
  • 3. In some countries, this becomes part of national initiatives in reducing unemployment rate and promoting broader production base.
slide4

The background

B

Sourcesof financings

  • Capital market
  • Commercial banks
  • Other sources

Big enterprises

4.3k (0.01%)

Medium enterprises

39.6k (0.08%)

  • Commercial n rural banks with plafond of USD 15.000
  • Government supported programs

Small enterprises

520.2 k (1.01%)

  • Commercial n rural banks, and microfinance institutions
  • Government supported programs
  • Zakat institutions

Micro enterprises

50.7 M (98.9%)

Marginally poor

  • Poverty alleviation program
  • Zakat, infaq and sadaqah institutions

Absolute poverty

Sources: Ministry of cooperative and small and medium enterprises

slide5

The background

B

Critical issues

  • Persisting demand-supply gap in terms of fund, particularly in remote areas.
  • Lack of coherent microfinance policy and comprehensive microfinance development strategy, enabling legal environment and regulatory framework, insufficient supervisory authority (esp. for BMTs & Zakah Fund Institution)  livelihood of MSMEs & MFIs – Macro Level
  • Diverse financial / non-financial infrastructure comprising of technical service & training providers, rating agencies & auditors, professional networks & associations, credit bureaus, transfer & payment system operators, and IT providers – Meso Level
  • Relatively weak human and institutional capacity – Micro Level
slide6

The background

B

The rationale for development

MFIs

Working capital to

support productions

Broader

Supply

MSMEs

Economic

Growth

ZFIs

Broader

Demand

Fundamental support

for consumptions

slide7

B

2

Financing scheme

slide10

B

3

The programs

slide11

The programs

B

Problems

Lack of fin

support

Lack of fin

support

No collateral

Life problem

Lack of

integrity

Basic

needs

Solution

Commercial

funds

Technical

assistance

Spiritual

treatment

Social funds

Development

program

slide12

The programs

B

Institutions

Islamic banks

or microfinance

institutions

Government

Supported programs

ZISW

Consultant or

university

Programs

Commercial

funds

Technical

assistance

Spiritual

treatment

Social funds

Development

program