Indicated company KFH Research Ltd., a subsidiary of Kuwait Finance House (KFH), the study has been discussed in the International Islamic Finance Forum is being held in Malaysia, about market developments of global bonds in the past few years and the outlook on them, that the global sukuk market booming remarkable During the last six years, grew 28.3%, bringing the total versions of existing instruments in the world until the first half of 2012 to 210.8 billion dollars, is expected to witness this market for another year of development in 2013.

At first study highlighted the sector instruments, indicating that he has emerged as one of the key components of the Islamic finance. The Sukuk market has grown over the years at a compound annual growth rate of 28.3% in the period between 2006 and the first half of 2012 to reach existing instruments to $ 211 billion and contributed 13.4% of the global Islamic financial assets in 2011.

The study pointed out that Malaysia still maintains the first position in terms of size versions of the instruments of more than $ 234 billion issued in Malaysia until the end of the first half of 2012.

In the GCC countries has reached instruments 92.4 billion dollars, and for market instruments initial, Malaysia representing 71.6% of the versions of the new instruments in 2011, followed by Qatar (10.9%), then the United Arab Emirates (4.8%), and comes Saudi Arabia IV (3.2%).
As at the end of the first half of 2012, the study showed that the share of the Malaysian market accounted for 68.2%, and finally Saudi Arabia II (11.1%), and then the United Arab Emirates (6.4%), followed by Indonesia (5.9%).

The sectors that included regarded as a prime mover for sukuk issuance during the first half of 2012 the government sector increased by 54.7% and the transport sector increased by 22.1%, while came a large number of versions in the Gulf Cooperation Council (GCC) and Malaysia from the energy and utilities sectors.

And maintained sovereign sukuk issues on the bulk of the versions of the primary market over the past few years with governments to increase their local programs.
And played the new countries in the field of instruments role in increasing the number of sovereign issues, such as Saudi Arabia and Indonesia, which has grown two international instruments market to attract new investments.

Despite the increase in the volume of money that is pumped through sukuk issuance, but the amount that was released U.S. dollar is still small compared to growth in other currencies.

The main reason is that international instruments are agitated by sovereign issues, which tend to focus on domestic liquidity levels while requiring foreign currency transactions greater than setup, as well as increased exposure to foreign currency risk involved in foreign exchange transactions.

Malaysian Ringgit continued during the first half of 2012 being the most important currency, and accounted for 70% of total releases.

The existing global instruments reached $ 211 billion in the first half of 2012, an increase of 18.3% from the end of 2011 was $ 178.2 billion.

Noted study «KFH Research» progress and increase the total amount of instruments based on an ongoing basis, even during the financial crisis, and accelerated growth in recent years as a result of the large increase in the number of issuers of new and increasing amounts of the bodies sovereign and central banks. Has grown secondary sukuk market at a CAGR 28.1% in the period between 2006 and 2011.

In terms of performance Total revenue instruments, the total return on index HSBC / NASDAQ SK NBA, which measures the return of versions portfolio instruments emerging that consists of 33 currency-denominated U.S. dollar and the pound sterling and the Japanese yen and the euro, 5.12% during the first half first of 2012, a percentage slightly less than the 5.2% recorded during the first half of 2011 and also less than the figure recorded during the first half of 2010 and of 5.64%.

Prepared company KFH Research Ltd., a subsidiary of Kuwait Finance House "KFH", a series of financial reports dealt with the reality of the Islamic financial sector and the prospects for its development in the next phase, to be discussed during IIFF which starts its work today in Malaysia, organized by the Malaysian government and the Central Bank, and continue its four days. Forum discusses in the first day of the study of the company about the reality of the global Islamic finance sector and the Islamic banking sector in particular, is expected to reach total Islamic financial assets amounting to about $ 1.6 trillion this year, and that the financial sector continues its strong growth in 2013.

A study the company's forum, attended by a large number of officials and businessmen and interested development Islamic financial services industry in Asia and the world, that there are ample opportunities to internationalize Islamic finance and spread globally, because of the great flexibility he has shown during the global financial crisis, and universally recognized products and Islamic financial services , and the ability of the sector to enhance liquidity and risk management, pointing at the same time that the challenges facing the deployment process, including the limited tools .. The following is a summary of the most prominent and the most important points covered in the study.

The focus of Islamic finance in the early stages of its development focus on countries with large Muslim population, such as Egypt, Malaysia and the Arab Gulf states (especially Saudi Arabia, Kuwait and the United Arab Emirates). Over the past decade, the evolution of the Islamic finance industry as an increasingly important element in the global financial system. Islamic finance received broad acceptance in many countries as a result of the growing recognition of the high value achieved by the Islamic finance for the financial system, and between these countries, the United Kingdom, Singapore and Germany. In recognition of Islamic finance capabilities, many countries have shown interest in becoming a center for Islamic finance, and some countries have established financial centers such as London, Hong Kong and Singapore. It is expected that the total global Islamic finance assets to $ 1.6 trillion in 2012, based on the following:

Increase demand for assets compliant with Islamic law
The active role played by some countries around the world to support the growth and development of Islamic financial markets in their own countries
Islamic banks have shown great flexibility during the global financial crisis, in spite of the turmoil that spread across the global financial markets. While the equity markets suffered such as binary options and mortgage insurance and financial losses after the real estate market bubble burst in the United States, showed the balance sheets of Islamic banks were not affected by large compared with their counterparts from conventional banks due to the following factors:

Governor of domestic credit: credit portfolios were mainly local, rather than foreign, with limited pressure on asset quality
Focus on retail banking: where high limited loyalty programs for customers as well as the stability of deposits, from the rush and the big draw is unusual on deposits by customers.
Provide high capitalization and high liquidity to relatively higher confidence levels than conventional banks.
Over the years, grown a range of financial products and services Islamic significantly, through innovations that come as a result of dialogue and links continuing between decision-makers in the Islamic finance industry, supported by an increase in awareness and knowledge with respect to the basic elements in Islamic finance and affecting the provision of products and services funding Islamic namely:

Customers need: to stimulate financial institutions to provide products and services that meet customer requirements.
Regulatory and supervisory support: the fact that the instructions allow a variety of products and services compliant with Islamic law
Unique suggestions: emphasis on the value and impact of Islamic finance to the sector's shareholders
Education and awareness, help in the creation and production of innovative solutions that can improve the efficiency of the products offered
Profitability: develop funds that can be directed to provide more products and services
Financing gap: the need to create financial intermediation
Competitiveness: stimulate product innovation in order to stay ahead of the market
Islamic finance over the past 30 years is stimulated largely by domestic sectors, but in recent years it has become gradually the fastest growing sector in the global financial system. And the evolution of market instruments in particular as a major factor contributing to the leadership of Islamic finance, and instruments and became an important way to raise funds globally, as well as stimulate investment activities and generate substantial financial flows from abroad. And easy access of the internationalization of Islamic finance and make it rise globally these other developments that have occurred in the international financial infrastructure Islamic, prompting the Islamic financial institutions to take the initiative to work beyond their local boundaries. There are currently more than 600 Islamic financial institutions operating in more than 75 countries, offering a wide range of products and services. With the internationalization of this sector, it is expected to contribute to Islamic finance in a more efficient move and the distribution of funds to various regions. This will enhance the trend of financial and economic links between the various global countries, bringing and achieve mutual benefits for all shareholders and owners of capital.

Opportunities and challenges of internationalization of Islamic finance

First: Opportunities

Enhance liquidity and the ability to manage risks for traders in the Islamic finance sector
International cooperation between regulators
Mutual recognition of standards and financial products across different countries through building on expanding the size of the partnership between practitioners, regulators and scientists
Improving the business environment to promote activities across different countries
Further development of Islamic financial infrastructure in underdeveloped markets
An effective tax system to deal with large disparities between income and wealth on the one hand and government support on the other hand
Second: the challenges

Limited set of tools, focus on short-term benefits, lower the depth and breadth of market support for mediation funds in the Islamic financial system
Should the financial system will facilitate a clear system of governance and strengthen the system against external pressures or threats, so as to reduce any risks that could lead to misappropriation or embezzlement
Still provide a qualified workforce and talent management in different countries is a regular, and given that talent development programs have only recently begun to expand and increase their numbers, it may take the Islamic finance sector and longer to reach a uniform growth across countries.

By taking a quick look at the Islamic banking sector in different parts of the world, we find that it has grown at a strong rate of between 15% To 20% Annually over the past decade, from about $150 billion in the mid-nineties to about 1.1 trillion in 2011. Based on the compound annual growth rate of 21.1% Between 2007 and 2011, it is expected that Islamic banking assets up to $1.3 trillion in 2012, accounting for more than 80% of the market share of the global Islamic finance assets. Not only the Islamic banking sector on the Muslim-majority countries of the GCC and South East Asia, but also extended to penetrate new regions in Central Asia and Europe, and that is working, many of which are currently on the developent and implementation of regulatory reforms and appropriate legal that would facilitate the provision and delivery of products and Islamic financial services. By the end of 2011, there were 363 financial institution operating in accordance with the Islamic banking system fully in addition to the 108 from traditional financial institutions to open and operate Islamic windows have. And despite the fact that the Islamic banking sector is currently accounted for 1.6% Of the total assets of the 50 largest banks in the world (a total of 66.2 trillion dollars at the end of 2011), but it is still one of the fastest growing sectors in the global financial services industry.

It is expected that the Islamic banking sector other future developments, especially with regard to the development of new products and services as well as open up new markets in different countries, this sector has proven its flexibility during the global financial crisis. It was the growth of Islamic banking services many positive effects on the global economy. Given that this sector is linked to the financing of real assets through the purchase and sale of goods to ensure utilization of the funds in real economic activities, and to ensure this feature also restrict the size of anticipated funding and the continuation of financial sector balance with economic growth. And given the rapid growth of Islamic banking system in the worldwide value and weight of the commercial feasibility of this sector in terms of providing returns to business as well as its positive effects on shareholders and owners of capital. And derive the feasibility of Islamic financing of its ability to meet the changing requirements of the economy and also the cost competitiveness of products and services it provides. The support is also developed within the framework of the legal and regulatory framework and supervisory highly sophisticated and who has had an important role to play in ensuring the integrity and stability.

Islamic banking sector witnessed in 2011 strong growth. And contain the Middle East on 80% Almost of Islamic banking assets, and Asia is a huge market where Malaysia has the largest market share by 9.6?. In terms of growth rate, Indonesia has had the strongest annual growth rate of 48.6?, Followed by Pakistan with 34.4? On an annual basis. The importance of the GCC states in being the home to some of the largest banks in the Islamic world such as Kuwait Finance House in Kuwait and Al Rajhi Bank in Saudi Arabia. The increase in Islamic banking activities in the countries of the Gulf Cooperation Council to a number of factors including increased domestic demand for Islamic financial products like Islamic Loans, and comes on top of those factors significant growth of savings in the Gulf, which is linked to oil prices pace. It is expected to continue to Islamic banking sector growth in the countries of the Gulf Cooperation Council strongly supported the foundations and economic stimulus through infrastructure projects sponsored by the government, as well as due to the strengthening of Islamic banks in some countries (Bahrain) and increasing the number of (Saudi Arabia and the UAE) and changes in regulations and regulatory (Qatar) which will benefit the sector as a whole.

It is expected that the Islamic banking sector encouraging developments where emerging economies such as Turkey, Indonesia, India and China to promote and stimulate alternative formulations of financial intermediation, supported by growing demand for banking products and services alternative. It is expected to help create the Islamic banking sector in a number of countries to encourage and accelerate the pace of market instruments in order to meet liquidity requirements. Despite the positive developments that have been achieved in the light of the deteriorating global economic environment, but the lack of education and awareness about products and services in some countries and regions, as well as legal and tax matters are among the challenges that will be faced by the Islamic banking sector.

However, it is expected that this sector continues to show strong growth, supported by the following factors:

Sustained economic growth in 2013 across emerging markets ( Islamic finance in Morocco ), supported by economic stimulus packages
Abundant liquidity flows on the back of rising oil prices
The active role played by some countries in different parts of the world in order to stimulate the development of the Islamic financial markets in their own countries
A combination encouraging population and increase the level of awareness has contributed towards increasing demand for products compliant with Islamic law. The number of the Islamic world's population currently stands at 1.6 billion, including 62% Almost in Asia.
Is expected to be a growth sector global food'm positive effects on the Islamic banking and finance, as should be the source of funding for the Halal food sector is compatible with the principles of Islamic Sharia.

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The Private Investment Corporation "OPEC" U.S. government institution specialized in finance and development and "ABRAJ Capital" Agreement commitment to invest $150 million in a fund to support small and medium enterprises in the Middle East and North Africa "MENA".

Small Business Loans

The fund, which invests dubbed "Entrepreneurship Fund to finance institutions" in the small and medium-sized enterprises and administered by Aureus Capital, a subsidiary of Towers Fund represents of its $ 400 million capital funding source for small and medium-sized projects with countries in the region.

The agreement was signed by John Morton representing OPEC Foundation and Mustafa Abdel-Wadood, CEO of "ABRAJ Capital".


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The Standard & Poor's credit rating Agency issued recently a report which suggests to reduce chances of sovereign rating to Egypt during the coming period with the lifting of sovereign credit rating of long-term development "under review" and to maintain the degree classification B.
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After that we have identified the concept of Small Business , in this article we will talk about How To Start A Small Business From Home?

Require the start of the first steps of any project of the house determine the objectives of the project and how much money, effort and time required to launch the project and ensure its success and continuity. This means that he must have a clear vision for the form of the proposed project when you start the actual production operations and what are exactly the elements or factors to be available for the launch of the project. When agreement on the implementation of any project must be verified that this project, which will be of the house will be able to achieve the overall objectives of the port and the idea or other words project contributes to the self-realization. To achieve this, the destination must be a research and marketing studies to determine the amount of capital and expertise required to provide the product or service that the project and identify potential primary productivity of the project with a study of the possibility of increasing production capacity in the future on the basis of the needs of the target market which will require the identification and study of the nature of that market.

How To Start A Small Business From Home

Once the initial estimates of the financial and technical requirements necessary for the implementation of the project will become clearer and more easy to the economic feasibility of the proposed project. There is no doubt that the commitment of those steps would avoid falling into the errors initially passed by the owners of some of the projects where many of them spent time and money in the projects did not generate the revenue that was the target of many considerations such as lack of appropriate idea of ​​the project to the needs of the market. It is believed some of the small business owners that the project's success means the ability to create a product or service in a sophisticated but the real success of the project is of course the ability to market the product and gain a good share of the target market. Must start before the actual steps of the production process put samples of the product of the initial target consumer and identification directly on the views of the consumer in that commodity in terms of quality and price level, and any proposals for amendments can be made to the product. Is also needed to identify the products are identical or similar in the market to determine the competitive advantages that can be enjoyed by item produced during the project home, whether that feature is represented by the lowest price or the ability to provide additional service with the item at hand, such as delivery to the client directly.

Through the identification of similar products on the market, which usually will be the competition will enable the development of a realistic perception of the actual needs of the market as it would be easy to determine which additions can be made to the product that will be presented through the project home to win new segments of consumers. There is no doubt that once identified the actual needs of the market it will be possible to take the right decision on choosing the right product is able to access the target market and ensure the continuity of the project.

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There is no definition inclusive of the small Business and varied scientific outlook and the process are in, because the small term project "Small Business" carries its aspects among many questions, including:

Type of small-scale project
Minimum and maximum employment by
Minimum and maximum investment
Distribution of project products
Relationship with the small export
The small capacity of the project
Quality products, small-scale project
Form of management and administration in these projects
Level of technology used in small-scale project
The form of small-scale project in terms of legal
Realistic picture of the project (factory house and workshop)

The Concept of Small Business

All of these criteria from our point of view contribute to defining the concept of small projects, and we can say that the concept of small-scale project is a project that does not depend on technology-intensive in general, Small business is the foundation in carrying out the number of labor no more than five members of the maximum capital of ten thousand to fifteen thousand pounds, there is no separation between ownership and management (owner of the project is run by) is characterized by simplicity and local products designed to cover up the local environment needs export a later step.

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Objective of the small Business:

Range goals of small projects, including:

What is aimed at profitability
What is intended to provide employment opportunities
What is aimed at achieving social returns
What is aimed at raising the level of service
These goals may be combined together. It is scientifically is often small-scale project the primary objective of profitability and in the fastest time due to the small and limited capital investment.

Capital of small-scale project:

The small Business recoil is a young man starts its first steps in life. And thus limited its investments and the capital in fixed assets is low (land buildings equipment). In fact, small-scale project that seeks to recover the money in as little time as possible.

Level of technology and machinery:

Given the weakness of the financial capacity of small enterprise owner is often the technological level is a relatively advanced user; also characterized by limited tools and machines used, and often manual and highly dependent on the skill of the workers. Because of small and micro basis in Handcrafts, and thus no essential role for technology-based tools and machines.

Number of employees in small-scale project:

As we advance the concept of the project small and micro. The most important characteristics of small businesses lack the number of employees. There is no specific measure is reliable in this area due to the difference from one country to another in Japan, for example: The project is small if the number of its employees less than 50 people. And from 50 to 99 is considered a legitimate medium and more is one of the large-scale projects and in the United States when the number of employees working less than 25 it is considered a small project.

Some expert see that your craft project is a small business if it is less than ten individuals. When you see in the others, in its definition of the project as a  small Business , which employs less than 50 people, and so there is no clear measure of a specific number of employees in the small Business .

Possibilities for a small Business :

These possibilities include:

Production capacity
Energy storage
The volume of purchases
Services provided to workers
Management experience in marketing
Planning and Information Systems
Financial decisions

This is the limited possibilities in the small-scale project, and stick to personal characteristics of the owner and the extent of scientific expertise and rehabilitation.

The degree of proliferation:

Produces small-scale project is limited and is often the consumers of this production in the framework and limits of the project area, this means that the degree of proliferation of the project small Business is very limited.

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A sign of experts in Islamic finance sector the growth of Islamic banks in the Arab world by rising market share of Islamic banks by 15%  in the year 2013 at the level of the Arab states because of the large and growing demand by customers to these banks.

The expert added, Fouad Muhaisin that the current figures for the growth of the size of the Islamic banking sector exceeded all expectations in previous years to grow to over 25 per cent.

The Muhaisin to "The global financial crisis that hit in the countries of the world, especially in the United States of America and Europe, which observed its implications in various Arab countries pushed dealers to the selection of Islamic banks is based on the foundations of banking which led to the collapse of a number of banks such as the sale of religion and others. "

Muhaisin noted that many Arab countries began to shift to a system of Islamic banking as a result of the Arab revolutions or what has become known as the Arab spring, such as the banking system, the Libyan, Egyptian and Tunisian is expected to occur Syria. "

And move for the Secretary General of the Union of Arab Banks, Wisam Fattouh forecast that the next phase is witnessing a dramatic rise in the Islamic banking system, the end of 2013 of up to 40 per cent of total banking assets Arabic.

The report forecasts that up Fattouh, the total assets of banks operating in the Arab countries to $ 2.6 trillion in value of the assets of Islamic banks, of which about $ 1.2 trillion.

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Held the second training program for the development of the microfinance sector in Bahrain with the participation of delegations from Chambers of Commerce, Gulf, Arab and Islamic World, and the participation of a number of agencies responsible for funding the smaller of the Islamic countries

The statement quoted the Chairman of the Chamber Essam Fakhro said, that the program of microfinance is the best option for the diversification of financing options to micro, especially in light of the difficulty in obtaining funding for the owners of these institutions, which would lead to other difficulties in the administrative and technical view of the adoption these institutions on the capabilities and expertise of their owners at work in the main, and the use of equipment less sophisticated and advanced than those used in institutions with large financial means in order to save money and minimize the cost.

For its part, expressed the Secretary-General to coordinate Chamber of Islamic Trade and Industry expressed the hope that the returns Forum the positive results of the microfinance sector and those who support it, she said during a speech at the opening ceremony that the issue of funding in general is one of the main obstacles that hinder economic growth and the financing of projects small with respect in particular, pointing out that the Islamic Chamber of Commerce and Industry in Pakistan is keen interest in the development and the development of the commercial sector is important, through its cooperation with its partners to organize several workshops and asked for training programs specialized in microfinance and the belief in the roles discharging performed by MFIs, pointing out that the issue of funding in general is one of the main obstacles that hinder economic growth and the financing of small projects.

Also showed that there are currently more than 67 million people all over the world want access to microfinance for their projects, and said that he is expected to grow this number steadily in the near future, which calls for developing a joint plan to support the owners of these institutions and protect them from exploitation which may be subjected by the banks in return for financial loans or through the conditions imposed on the beneficiaries.

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Al Amana Microfinance

Al Amana Microfinance, a leading microcredit in Morocco, is diversifying its business and expands its services to customers by signing a partnership agreement with Wafacash Development and distribution services Domestic Money Transfer (Cash Express), Transfer of International money (Western Union and Money Gram) and the manual exchange.

This partnership will broaden the range of products and services of Al Amana and thereby contribute to reinforce its mission of financial inclusion of large populations across the kingdom.

The offering of these new services will eventually cover the entire distribution network of Al Amana Microfinance which has 450 outlets and 50 mobile branches. It is worth mentioning that Al Amana Microfinance has already served as part of its activities over a million customers.

Other banking should expand in the coming months, the product range of Al Amana Microfinance.
Source: http://themicrofinance.blogspot.com

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Insurance in Morocco

Known to the insurance in Morocco prosperous economically significant because of the development of services and multiple types such as insurance on health, and accident insurance, housing and other types of insurance, which provide protection cover works to transform the impact of different types of risks that may be exposure to professional institutions ready and able to withstand the effects of such risks, and these institutions are called insurance companies.

For the insurance accident insurance companies bear the losses of accidents to persons insured beneficiaries of insurance services on the physical and material damage resulting from the occurrence of sudden accident as it contracted with the company.

As the insured person to pay the annual premium to the insurance company that if an event has an accident car is compensated within a certain time frame, within the limits of the conditions of the contract between the parties which features an irresistible, could reach tens of thousands, knowing that the annuity referred to not recovered in the absence of any incident.

In addition, the annuity contract may be increased by greater than a male and therefore the terms of the subsidy is better than its predecessor.

It should be noted that the intense competition between insurance companies depends on the policy of awareness and communication strategy and marketing has made the sector known as kinetic markedly, empowers citizens the opportunity to choose presentations suitable for them to insure their cars and themselves from the incidents of physical, physical, and their health and their lives to other types of insurance compact in the market Moroccan insurance.

It should be noted that insurance companies have contributed their part in raising the level of the sector in Morocco and made citizens aware of and care about the insurance, whether on accident or on life, and other offers available in the insurance in Morocco market.

On the other hand the microinsurance in Morocco is witnessing a remarkable development, which is aimed at reaching the poor in Microfinance sector, who they can not access the services of insurance companies in Morocco.
http://themicrofinance.blogspot.com

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Islamic Finance

Before we talk about Islamic Finance in Morocco, Let's take a look in the way of understanding Islamic finance Concept

What is Islamic Finance?

Islamic finance Concept is a relationship between financial institutions in its comprehensive concept and the institutions or individuals, to save money for those who benefit from it either for the needs of personal or for investment, by providing financial tools compliant with Sharia, such as Murabaha, "Musharaka" mean share, Ijarra and Islamic loan.

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Islamic finance in Morocco

Expected that the Kingdom of Morocco issued a law regulating integrated Islamic financial transactions such as the end of this year, in light of the growing demand for these transactions and the need for Morocco to diversify its sources of funding has, in addition to the need to issue Islamic bonds to finance major projects have.

Where the Government and the Bank of Morocco to the finalization of the draft law allows the inclusion of Islamic financing in the Moroccan banking system and to identify possible amendments to the Moroccan banking system, it is expected that the current year will witness the maturation of perceptions of the Islamic financial transactions.

Morocco is betting heavily on Islamic finance to boost its economy and develop its financial system, especially after the global economic crisis, which was behind the conventional financial system to attract a large number of investments, especially coming from the Arab Gulf.
Islamic finance offers many opportunities and possibilities in front of the Moroccan economy in light of the international crisis and reduce the possibilities of European funding.

It should be noted that Islamic finance is likely to develop in the years ahead, as the volume of the activities of Islamic banks across the world more than 1000 billion dollars, but more importantly, here is the ratio of the development activities that are likely to range between 10 and 20% per annum reverse activities traditional bank.

Expects the agency "Standard & Poor's" that the volume of transactions of Islamic financing more than 4500 billion dollars. Where these data clearly illustrate the fact that Islamic finance remains the most sophisticated and fastest in the funding formulas are available, and safer as well as on the grounds that they were not affected by economic and financial crisis since 2008.


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Family Bank Bahrain

Family Bank in Bahrain was accepted as a new member of Sanabel Microfinance, a regional network based on the membership of MFIs in the Arab countries. Where members of Sanabel serve more than 80% of microfinance clients activists (more than 750,000 smaller entrepreneur in the Arab world).

Sanabel Microfinance Network is access to the largest possible number of microentrepreneurs in the Arab countries by strengthening the capacity of MFIs through capacity building services such as training, translation and publication of sources and literature on microfinance and to encourage and facilitate the exchange and communication between workers in the microfinance industry through the conference annual Sanabel website and newsletter of their own, in addition to the Arab Grid for microfinance based in Arab Republic of Egypt-based and are Sanabel first network of its kind and the only one designed to serve microfinance institutions in the Arab world as a non-profit network includes ears 87 members of the 13 Arab countries are mainly Egypt, Iraq, Jordan, Lebanon, Mauritania, Morocco, Palestine, Saudi Arabia, Sudan, Syria, Tunisia and Yemen.

The Family Bank in Bahrain was established initiative of the partnership of the Ministry of Human rights and social development with a number of partners from the private sector has received the Bank's license in October 2009 as the first Islamic bank specialized in microfinance, in partnership between: the Ministry of Human Rights and Social Development , the charity's property, the Bank of Bahrain and Kuwait, Ithmaar Bank and Ahli United Bank, Kuwait Finance House, and according to the framework of cooperation with Grameen Foundation Trust.

Arab Gulf Programme for the support of the United Nations Development "AGFUND" began the executive steps to establish a sixth microfinance bank in the system "AGFUND" to combat poverty called Bank of the Poor in Sudan like Grameen bank in bangladesh by the microfinance guru Muhammad Yunus

The team of  "AGFUND" discuss, chaired by Executive Director Nasser Bakr Al-Qahtani with the Sudanese side complete the contributions of the private sector in the Sudanese capital of the bank of the poor after it obtained the approval of the Central Bank of Sudan.

AGFUND

AGFUND has received the approval of a number of prominent Sudanese businessmen to contribute to the bank's capital.
The delegation will attend AGFUND in the Forum's seventh Islamic Development Bank to be held in Khartoum on Islamic finance and provides Qahtani and a paper on the successful experiences of AGFUND in the area of ​​job creation and social and economic impact of this experience, the most important obstacles to job creation is represented in (funding, training and rehabilitation, and the labor market ) will also speak about the role of microfinance and micro in the provision of employment opportunities.

Will address Qahtani Horizons initiative Prince Talal Bin Abdul Aziz, microfinance, which led to the establishment of 5 banks for the poor in the Arab region and Africa, (the National Bank to finance small projects in Jordan, Al-Amal Microfinance in Yemen, the Bank of creativity in Bahrain, Bank of creativity in Syria, the Bank of partnership and innovation in Sierra Leone. The pump "AGFUND" in the role of banks, 130 million, benefiting far more than a million in the poor.

The practice of AGFUND to establish banks for the poor on the principle of social investment, and therefore the profits went to the capital increase, and the disposal of the partners, and moreover they are Members of the Board of Directors of the private sector, and shareholders.

Believes that the AGFUND Bank for the Poor in Sudan carries a lot of the features of the success and development and expansion of Sudan because of the countries that created a legislative structure to promote microfinance.

It should be noted that Sudan has launched an initiative to support young people to do small projects to improve their social situation and fight against poverty.

The Sudanese government Spotted 12% of the budget of each bank to support the microfinance industry to advance its role in supporting young people and the fight against poverty and the empowerment of women, as was done at the crossroads of Islamic Microfinance, which concludes its work in Khartoum in the coming days with the participation of a number of experts, specialists and researchers in the field of microfinance experience Bangladesh Grameen Bank

Microfinance in Sudan

The support and banking institutions of the Islamic Microfinance in Sudan a major anchor to the success of microfinance has helped figure the more I said to the sustainability of microfinance projects

The microfinance institutions in Sudan services associated with the microfinance are on both sides of social and economic, such as education, health and combating poverty It also provides technical services such as training in providing funding, training and awareness to enable customers to benefit from funding in the specific project and its sustainability.

The percentage of beneficiaries 97% of the poor as a result of training, rehabilitation and education, most of the loans and mass less than 1% of individual loans