Microfinance Loans

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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