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Alhuda cibe - Islamic agricultural & rural finance
Alhuda cibe - Islamic agricultural & rural financeAlhuda Centre of Islamic Banking & EconomicsThis document provides an overview of Islamic agricultural and rural finance. It discusses the importance of Islamic finance models for rural populations in OIC countries. Various Islamic finance product mechanisms and sources are described, including Murabaha, Salam, Istisna, Ijara, Diminishing Musharkah, and Musharakah/Mudarabah models. Examples of institutions currently implementing these models are provided. Compatibility with conventional rural finance models like Grameen and village bank models is discussed. Opportunities and challenges for the development of Islamic agricultural and rural finance are outlined.
Alhuda cibe - Best practices in micro finance
Alhuda cibe - Best practices in micro financeAlhuda Centre of Islamic Banking & EconomicsThe document discusses best practices for microfinance institutions in areas such as borrowers, employees, products, loans, management, governance, external environment, and growth. It recommends knowing and monitoring borrowers, transferring vision and building capacity for employees, ensuring products meet needs and expertise, making loans small with short durations and repeatable, promoting integrity, innovation and knowledge for management, and pursuing transparency, quality HR, and financial management in governance. It also stresses marketing external environment knowledge, building alliances, sharing practices, and pursuing slow, steady growth with consolidation and technology use.
Muhammad rasool allah
Muhammad rasool allahUmmKhawlaThis document discusses the implications of believing that Muhammad is the Messenger of Allah, which is the second part of the Islamic declaration of faith. It states that this belief implies: 1) Muhammad was chosen by Allah to convey His final message to all of mankind, 2) Muhammad conveyed the entire message correctly and clearly without any distortions, and 3) Muslims must love Muhammad more than anything else and follow his example in how to live righteously according to Allah's commands.
Alhuda cibe - How analytics can help mfi's
Alhuda cibe - How analytics can help mfi'sAlhuda Centre of Islamic Banking & Economics1. The document discusses how analytics can help microfinance institutions (MFIs) in Kenya sustain themselves given recent regulatory constraints, including by reducing operational costs, improving portfolio management and monitoring, and enhancing regulatory reporting.
2. It notes that MFIs face challenges like maintaining high credit quality and low costs given stricter regulations and macroeconomic conditions in Sub-Saharan Africa. Analytics solutions can help address these by providing insights to optimize processes, products, and resource allocation.
3. Implementing analytics tools could significantly reduce MFIs' operational costs through increased efficiencies, while also decreasing delinquency through better portfolio monitoring and forecasting of trends. This would directly impact their income.
Alhuda cibe - Islamic credit union
Alhuda cibe - Islamic credit unionAlhuda Centre of Islamic Banking & EconomicsThe document discusses Islamic credit unions (ICUs) as inclusive financial institutions that can meet the needs of communities according to Islamic principles. It provides background on the cooperative movement, defines credit unions, and outlines the history and current state of Islamic credit unions globally. Challenges to establishing ICUs are discussed at the individual, organizational, community, governmental, and global levels. The conclusion states that ICUs align with both cooperative and Islamic values by providing financial services to communities and assisting economic and social development.
Alhuda CIBE -Product development
Alhuda CIBE -Product developmentAlhuda Centre of Islamic Banking & EconomicsThis document discusses Islamic microfinance principles and products. It provides an overview of the basic principles of Islamic banking such as a prohibition on interest and risk sharing. It then discusses the current state of the global Islamic finance industry, noting there are over 2000 institutions in 81 countries managing over $2.3 trillion in assets. The document also summarizes key innovations and challenges within the Islamic microfinance sectors of several countries, such as Pakistan, Afghanistan, Indonesia and Yemen.
Alhuda cibe - Interest free agriculture e credit scheme
Alhuda cibe - Interest free agriculture e credit schemeAlhuda Centre of Islamic Banking & EconomicsThis document summarizes an interest free agriculture loan scheme launched by the government of Punjab, Pakistan. Key points of the scheme include:
- It provides interest free loans of up to Rs. 50,000 to small farmers with land holdings of 2.5 acres or less.
- The loan process involves verification, application, selection, appraisal, approval and disbursement steps managed through an online portal.
- Loans are disbursed into digital "Asaan Accounts" and funds are transferred to borrowers through smart phones and mobile wallets.
- The scheme aims to promote financial inclusion among small farmers through access to formal and digital financial services.
Alhuda CIBE -Micro takaful 
Alhuda CIBE -Micro takaful Alhuda Centre of Islamic Banking & EconomicsThis document discusses microtakaful (Islamic microinsurance) as a tool for financial inclusion. It notes that half of IDB member countries in Africa are least developed countries and that microtakaful makes up less than 2% of the takaful industry. The document outlines different poverty treatment strategies in Islam, from qarz-e-hasan (benevolent loans) and murabahah (cost-plus financing) for the transitory poor and vulnerable, to zakat, sadqa (charity), and ushr (obligatory alms) for the chronic poor and extremely poor. It states that microtakaful requires collective will to implement and could utilize zakat funds.
Alhuda cibe - Integrating mobile banking and mobile money with islamic
Alhuda cibe - Integrating mobile banking and mobile money with islamicAlhuda Centre of Islamic Banking & EconomicsThis document discusses integrating mobile banking and mobile money with Islamic microcredit. It outlines a potential product structure using an ujrah-based model where fees are charged for services provided in conjunction with interest-free loans. The fundamentals of the proposed structure are described, including potential sources of funding like cash waqf funds and restricted mudharaba capital. Challenges like operational efficiency, default risk, and consumer literacy are also discussed along with some mitigation strategies and a way forward.
Alhuda CIBE -Why islamic finance
Alhuda CIBE -Why islamic financeAlhuda Centre of Islamic Banking & EconomicsThis document discusses Islamic microfinance and the role of religiosity in the social and financial performance of microfinance institutions. It begins by defining key concepts in Islamic finance like prohibitions on interest and uncertainty. It then examines how Islamic principles can be applied to banking through equity-like structures like mudarabah and musharakah that are based on profit and loss sharing. The document suggests these types of partnerships allow Islamic microfinance institutions to fulfill their social objectives while maintaining financial sustainability. In 3 sentences or less, the document discusses how Islamic principles can guide microfinance through profit-sharing structures instead of interest-based loans.
Alhuda CIBE -Legal and regulatory framework of islamic microfinance
Alhuda CIBE -Legal and regulatory framework of islamic microfinanceAlhuda Centre of Islamic Banking & EconomicsThis document discusses Islamic microfinance in Pakistan. It provides background on the country's population, economy, poverty levels, and the developing microfinance industry. It then summarizes that there are over 14 Islamic microfinance institutions operating in Pakistan with over 350 branches serving over 400,000 clients. The major Islamic microfinance products are murabahah and qard-e-hasan loans. It also notes challenges like a lack of shariah-compliant funding and opportunities for future growth.
Alhuda cibe - Akhuwat interest free microfinance
Alhuda cibe - Akhuwat interest free microfinanceAlhuda Centre of Islamic Banking & EconomicsAkhuwat is a nonprofit microfinance organization established in Pakistan in 2001 with the goal of alleviating poverty through interest-free loans. Its core principles include providing interest-free loans (Qard e Hasan), using religious places like mosques and churches, promoting volunteerism, and transforming borrowers into donors. Akhuwat has grown significantly since 2001 and now has over 500 branches, 3,000 staff members, and has disbursed over $300 million in loans with a recovery rate of 99.8%. It aims to alleviate poverty by empowering families through various loan products while also providing social and entrepreneurial training.
Alhuda cibe - Islamic agriculture finance
Alhuda cibe - Islamic agriculture financeAlhuda Centre of Islamic Banking & EconomicsThe document discusses Islamic agriculture finance in Africa. It begins by explaining the importance of ethics in agricultural production and finance from an Islamic perspective. It then outlines why Islamic finance is important as it avoids interest and facilitates adherence to religious principles. The document discusses the importance of Islamic agricultural finance in covering production gaps and credit needs. It also reviews available Islamic agricultural finance products in Africa like Murabaha, Salam, and Ijarah. The document notes limiting factors such as a lack of Islamic banks and skills, but expresses optimism for the future outlook if efforts are made to strengthen the sector through strategies, investment, and cooperation across Africa.
Alhuda cibe - Introduction to human resource management
Alhuda cibe - Introduction to human resource managementAlhuda Centre of Islamic Banking & EconomicsThis document discusses human resource management (HRM) in Islamic microfinance institutions. It defines HRM and explains why it is important for managers. The key aspects of HRM covered include strategic planning, staff selection and recruitment, performance management, training and development, compensation and rewards. It notes the changing role of HR managers to focus more on strategic alignment, performance measurement, talent management and employee engagement. Overall, the document provides an overview of HRM practices and the role of HR professionals in organizational management.
Ijara by ch. hamad rasool bhullar
Ijara by ch. hamad rasool bhullarAlhuda Centre of Islamic Banking & EconomicsThis document provides an overview of Ijarah (leasing) in agriculture. It discusses:
1) Ijarah is an Islamic leasing contract where the lessor retains ownership of the asset and transfers its usufruct to the lessee. Ijarah Muntahia Bittamleek is a type of Ijarah that ends with transfer of ownership.
2) The essentials of Ijarah include the lessor retaining title and risk of the asset, responsibilities of each party, conditions for rental payments and termination.
3) AAOIFI Shariah standards provide guidelines for issues like promise to lease an asset, acquisition of the asset, concluding the contract, rules for rent
Alhuda CIBE -Sharia microfinance products
Alhuda CIBE -Sharia microfinance productsAlhuda Centre of Islamic Banking & EconomicsThis document discusses exploring Islamic microfinance products to empower the poor in Africa. It summarizes that current microfinance institutions (MFIs) in Africa rely heavily on individual lending with low profitability. It then explores how innovative Islamic financing models like murabaha, istisna, salam, mudaraba, musharaka and ijara could better cover customer needs, rapidly scale operations, and improve MFI sustainability and outreach in a principled manner by empowering the poor. Examples of each model and how it could be applied to microfinance are provided.
Alhuda cibe - How islamic microfinance can facilitate rural finance
Alhuda cibe - How islamic microfinance can facilitate rural financeAlhuda Centre of Islamic Banking & EconomicsThis document summarizes a presentation on how Islamic microfinance can facilitate rural finance. It defines microfinance and Islamic microfinance, discusses their objectives and sources. It provides an overview of the global Islamic microfinance industry and explains why Islamic microfinance is needed in rural areas, citing opportunities and challenges. It discusses the current state of rural finance in Nigeria and Africa, and how Islamic microfinance could help by providing Shariah-compliant products and services, investing in infrastructure, and addressing gender disparities to promote greater financial inclusion and sustainability.
Alhuda CIBE -Mfi insight analytics
Alhuda CIBE -Mfi insight analyticsAlhuda Centre of Islamic Banking & EconomicsThis document summarizes an analytics platform that provides modules for financial institutions to analyze their loan portfolios, customer interactions, and channel and network performance. It has been implemented for over 15 clients in 6 countries across Europe, Africa, and Asia by a company with over 50 years of business intelligence experience. The platform includes modules for financial analytics, customer centricity, and channel/network performance. It provides insights, key performance indicators, risk analysis, and benchmarking to help financial institutions enhance operations and strategic decision making. Implementation typically takes less than 6 weeks.
Alhuda cibe - A new generation banking model
Alhuda cibe - A new generation banking modelAlhuda Centre of Islamic Banking & EconomicsThe document describes a new banking model called "Biniog Sathi" that aims to address the problem of default in microfinance. Key points:
1) "Biniog Sathi" incorporates zakat and charity funds to provide assistance to borrowers who default, allowing them to avoid losing everything and continue their businesses.
2) It offers a solution for both clients who default and microfinance institutions, while unleashing the power of zakat and charity to support those in debt or facing hardship.
3) The model is being tested through partnerships between the Islamic Corporation for the Development of the Private Sector and several microfinance institutions and zakat funds in Pakistan and Bangladesh.
Alhuda CIBE -Sharia principles presentation
Alhuda CIBE -Sharia principles presentationAlhuda Centre of Islamic Banking & EconomicsThe document discusses Islamic microfinance, including its principles, operational mechanisms, and marketing strategies. It defines Islamic microfinance as the provision of financial services to low-income people according to Sharia principles. It outlines key Sharia principles like the prohibition of riba and requirements for contracts to involve business risk. It describes common Islamic microfinance contracts including mudharabah, murabahah, and ijara. It also discusses challenges in using equity vs. debt-based contracts and strategies for mitigating risks. The marketing section focuses on understanding customer needs and developing awareness of Islamic microfinance products.
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Alhuda CIBE -Product development
Alhuda CIBE -Product developmentAlhuda Centre of Islamic Banking & EconomicsThis document discusses Islamic microfinance principles and products. It provides an overview of the basic principles of Islamic banking such as a prohibition on interest and risk sharing. It then discusses the current state of the global Islamic finance industry, noting there are over 2000 institutions in 81 countries managing over $2.3 trillion in assets. The document also summarizes key innovations and challenges within the Islamic microfinance sectors of several countries, such as Pakistan, Afghanistan, Indonesia and Yemen.
Alhuda cibe - Interest free agriculture e credit scheme
Alhuda cibe - Interest free agriculture e credit schemeAlhuda Centre of Islamic Banking & EconomicsThis document summarizes an interest free agriculture loan scheme launched by the government of Punjab, Pakistan. Key points of the scheme include:
- It provides interest free loans of up to Rs. 50,000 to small farmers with land holdings of 2.5 acres or less.
- The loan process involves verification, application, selection, appraisal, approval and disbursement steps managed through an online portal.
- Loans are disbursed into digital "Asaan Accounts" and funds are transferred to borrowers through smart phones and mobile wallets.
- The scheme aims to promote financial inclusion among small farmers through access to formal and digital financial services.
Alhuda CIBE -Micro takaful
Alhuda CIBE -Micro takaful Alhuda Centre of Islamic Banking & EconomicsThis document discusses microtakaful (Islamic microinsurance) as a tool for financial inclusion. It notes that half of IDB member countries in Africa are least developed countries and that microtakaful makes up less than 2% of the takaful industry. The document outlines different poverty treatment strategies in Islam, from qarz-e-hasan (benevolent loans) and murabahah (cost-plus financing) for the transitory poor and vulnerable, to zakat, sadqa (charity), and ushr (obligatory alms) for the chronic poor and extremely poor. It states that microtakaful requires collective will to implement and could utilize zakat funds.
Alhuda cibe - Integrating mobile banking and mobile money with islamic
Alhuda cibe - Integrating mobile banking and mobile money with islamicAlhuda Centre of Islamic Banking & EconomicsThis document discusses integrating mobile banking and mobile money with Islamic microcredit. It outlines a potential product structure using an ujrah-based model where fees are charged for services provided in conjunction with interest-free loans. The fundamentals of the proposed structure are described, including potential sources of funding like cash waqf funds and restricted mudharaba capital. Challenges like operational efficiency, default risk, and consumer literacy are also discussed along with some mitigation strategies and a way forward.
Alhuda CIBE -Why islamic finance
Alhuda CIBE -Why islamic financeAlhuda Centre of Islamic Banking & EconomicsThis document discusses Islamic microfinance and the role of religiosity in the social and financial performance of microfinance institutions. It begins by defining key concepts in Islamic finance like prohibitions on interest and uncertainty. It then examines how Islamic principles can be applied to banking through equity-like structures like mudarabah and musharakah that are based on profit and loss sharing. The document suggests these types of partnerships allow Islamic microfinance institutions to fulfill their social objectives while maintaining financial sustainability. In 3 sentences or less, the document discusses how Islamic principles can guide microfinance through profit-sharing structures instead of interest-based loans.
Alhuda CIBE -Legal and regulatory framework of islamic microfinance
Alhuda CIBE -Legal and regulatory framework of islamic microfinanceAlhuda Centre of Islamic Banking & EconomicsThis document discusses Islamic microfinance in Pakistan. It provides background on the country's population, economy, poverty levels, and the developing microfinance industry. It then summarizes that there are over 14 Islamic microfinance institutions operating in Pakistan with over 350 branches serving over 400,000 clients. The major Islamic microfinance products are murabahah and qard-e-hasan loans. It also notes challenges like a lack of shariah-compliant funding and opportunities for future growth.
Alhuda cibe - Akhuwat interest free microfinance
Alhuda cibe - Akhuwat interest free microfinanceAlhuda Centre of Islamic Banking & EconomicsAkhuwat is a nonprofit microfinance organization established in Pakistan in 2001 with the goal of alleviating poverty through interest-free loans. Its core principles include providing interest-free loans (Qard e Hasan), using religious places like mosques and churches, promoting volunteerism, and transforming borrowers into donors. Akhuwat has grown significantly since 2001 and now has over 500 branches, 3,000 staff members, and has disbursed over $300 million in loans with a recovery rate of 99.8%. It aims to alleviate poverty by empowering families through various loan products while also providing social and entrepreneurial training.
Alhuda cibe - Islamic agriculture finance
Alhuda cibe - Islamic agriculture financeAlhuda Centre of Islamic Banking & EconomicsThe document discusses Islamic agriculture finance in Africa. It begins by explaining the importance of ethics in agricultural production and finance from an Islamic perspective. It then outlines why Islamic finance is important as it avoids interest and facilitates adherence to religious principles. The document discusses the importance of Islamic agricultural finance in covering production gaps and credit needs. It also reviews available Islamic agricultural finance products in Africa like Murabaha, Salam, and Ijarah. The document notes limiting factors such as a lack of Islamic banks and skills, but expresses optimism for the future outlook if efforts are made to strengthen the sector through strategies, investment, and cooperation across Africa.
Alhuda cibe - Introduction to human resource management
Alhuda cibe - Introduction to human resource managementAlhuda Centre of Islamic Banking & EconomicsThis document discusses human resource management (HRM) in Islamic microfinance institutions. It defines HRM and explains why it is important for managers. The key aspects of HRM covered include strategic planning, staff selection and recruitment, performance management, training and development, compensation and rewards. It notes the changing role of HR managers to focus more on strategic alignment, performance measurement, talent management and employee engagement. Overall, the document provides an overview of HRM practices and the role of HR professionals in organizational management.
Ijara by ch. hamad rasool bhullar
Ijara by ch. hamad rasool bhullarAlhuda Centre of Islamic Banking & EconomicsThis document provides an overview of Ijarah (leasing) in agriculture. It discusses:
1) Ijarah is an Islamic leasing contract where the lessor retains ownership of the asset and transfers its usufruct to the lessee. Ijarah Muntahia Bittamleek is a type of Ijarah that ends with transfer of ownership.
2) The essentials of Ijarah include the lessor retaining title and risk of the asset, responsibilities of each party, conditions for rental payments and termination.
3) AAOIFI Shariah standards provide guidelines for issues like promise to lease an asset, acquisition of the asset, concluding the contract, rules for rent
Alhuda CIBE -Sharia microfinance products
Alhuda CIBE -Sharia microfinance productsAlhuda Centre of Islamic Banking & EconomicsThis document discusses exploring Islamic microfinance products to empower the poor in Africa. It summarizes that current microfinance institutions (MFIs) in Africa rely heavily on individual lending with low profitability. It then explores how innovative Islamic financing models like murabaha, istisna, salam, mudaraba, musharaka and ijara could better cover customer needs, rapidly scale operations, and improve MFI sustainability and outreach in a principled manner by empowering the poor. Examples of each model and how it could be applied to microfinance are provided.
Alhuda cibe - How islamic microfinance can facilitate rural finance
Alhuda cibe - How islamic microfinance can facilitate rural financeAlhuda Centre of Islamic Banking & EconomicsThis document summarizes a presentation on how Islamic microfinance can facilitate rural finance. It defines microfinance and Islamic microfinance, discusses their objectives and sources. It provides an overview of the global Islamic microfinance industry and explains why Islamic microfinance is needed in rural areas, citing opportunities and challenges. It discusses the current state of rural finance in Nigeria and Africa, and how Islamic microfinance could help by providing Shariah-compliant products and services, investing in infrastructure, and addressing gender disparities to promote greater financial inclusion and sustainability.
Alhuda CIBE -Mfi insight analytics
Alhuda CIBE -Mfi insight analyticsAlhuda Centre of Islamic Banking & EconomicsThis document summarizes an analytics platform that provides modules for financial institutions to analyze their loan portfolios, customer interactions, and channel and network performance. It has been implemented for over 15 clients in 6 countries across Europe, Africa, and Asia by a company with over 50 years of business intelligence experience. The platform includes modules for financial analytics, customer centricity, and channel/network performance. It provides insights, key performance indicators, risk analysis, and benchmarking to help financial institutions enhance operations and strategic decision making. Implementation typically takes less than 6 weeks.
Alhuda cibe - A new generation banking model
Alhuda cibe - A new generation banking modelAlhuda Centre of Islamic Banking & EconomicsThe document describes a new banking model called "Biniog Sathi" that aims to address the problem of default in microfinance. Key points:
1) "Biniog Sathi" incorporates zakat and charity funds to provide assistance to borrowers who default, allowing them to avoid losing everything and continue their businesses.
2) It offers a solution for both clients who default and microfinance institutions, while unleashing the power of zakat and charity to support those in debt or facing hardship.
3) The model is being tested through partnerships between the Islamic Corporation for the Development of the Private Sector and several microfinance institutions and zakat funds in Pakistan and Bangladesh.
Alhuda CIBE -Sharia principles presentation
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