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EMERGING ISLAMIC MICRO FINANCE

POVERTYALLEVIATION THROUGH ENTERPRISEDEVELOPMENT

SUSTAINABLE ORGANISATION SUSTAINABLE BORROWER


A BALANCED APPROACH TOWARDS MICRO FINANCE

BUSINESS SECTORS SERVED


Trading 30% Handicraft/Cottages 24% ManufacturingLightEngineeringWorks15% ServicesSector 9% Retailing 9% FoodAgriculturalprocessing 8% LiveStock 5%

HOW WE WORK?
TARGET ENTERPRISE: withacapitalvolumeoflessthanRs.500,000/ (Avg.EnterpriseCapital:Rs.100,000) PRODUCT PORTFOLIO:

MICROFINANCEMODEL
WeServePOTENTIALPOOR TargetingBusinessnotIndividual NeedBasedCredit Comparativelylargerloansize Group&IndividualLending SocialCollateral FlexibleGroupsize

BENEFITS OF ISLAMIC MICRO FINANCE


Riba FreeOperations ShiftofFocustoTRADINGMODE BetterInternalControls ReducedMisutilization ofMoneyinNon ProductiveActivities OverallBenefitstoEconomicEnvironment MoreSocialAcceptability

Business Development Services


VisionEnhancementSessions SkillEnhancementCourses ValueadditioninProduct&Process Branding,Packing&Packaging MarketingLinkages&SalesSupport SupplyChainDevelopment RedesigningofServicesOutlet ParticipationinNational,RegionalFairs &InternationalFairs

Health Insurance
PoorBorrowersneedHealthInsurancesothatwhentheyortheirfamily getsilltheirbusinessdontsuffer.

CWCD TAKAFUL HEALTH PROJECT


OUTDOORPATIENTFACILITYisbeingprovided throughhealthclinicsdevelopedalongsideCWCD branchoffices. INDOORPATIENTSERVICEat14ListedHospitals ofTakafulUptoPKR.35,000/ perannumLimit. (alsootherhospitalonreimbursementbasis)

FUTURE PLANS
ToPracticeRealIslamicproductslike; (Musharka &Mudarba) ToDevelopintoaTRADEFACILITATINGHOUSE ratherthanaLendingInstitution PartnershipswithIslamicFinancialInstitutions OutreachExpansion

Why Invest in Microfinance?

IslamicModeofOperations LargePotentialMarket CreditRiskcoveredthroughTakaful ExcellentPerformanceRecord InnovationandDevelopment StrongSocialResponsibilityStatement

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