Innovation in Islamic M&SME s banking. Dr Atef El Shabrawy CEO of family bank, kingdom of Bahrain
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1 Innovation in Islamic M&SME s banking Dr Atef El Shabrawy CEO of family bank, kingdom of Bahrain a.elshabrawy@familybankbh.com 1
2 Challenges in Muslim Societies 1. Explosion of demand for Islamic finance (Micro & small): 1. Increasing number of unemployed & fresh graduated 2. Exclusion of poor, (youth and women) from financial services 3. Financial services gap of small & micro finance 2. Threats facing MFI s 1. Weight of microfinance Central Banks rules & regulations on MFI s 2. Lack of governance & capabilities of MFI s 3. Weak capabilities & competitiveness of micro entrepreneurs 1. Low skills and absence of proper training 2. Low value-added businesses (farmers, handcrafts, homemade, ). 2
3 Example of M&SME s finance in Bahrain Current situation Opportunities > BD 20,000 Commercial Banks > BD >7000 SME Loans Bahrain Development Bank Increasing welfare recipients High unemployed women % Large informal sector No specialized finance Need to have Islamic finance BD 5,000 Microfinance 3
4 Innovation in the creation of the model 1- Shareholders composition The partnership between government, NGO s & private sector.. Paid-up capital: BB5m & allowed BD15m 4
5 Innovation in the creation of the in model 2- The financial institution type A specialized Islamic microfinance bank licensed by Central Bank of Bahrain Shk Issam Ishaq Dr Osama Bahr Dr Mohamden Golam Sharia Advisory Board 5
6 Innovation in the creation of the instution 3- The Target group 1. First time in business 1. Individuals receiving Government aid 2. Productive Families (home-based business) 3. Women/Unemployed youth & Handicapped 2. Small & Micro businesses (Startup s) 3. NGO s & Charity funds Major challenges Fear of start Lack of incentives Lack of support Rigid services 6
7 Innovation in the creation of the instution 4- The Guiding principles Islamic finance only Collateral Free finance No legal or formal entity required Low cots finance Target the Financially Disadvantaged Bank will go to the Poor Provide Non-financial services Major challenges Lack of Collateral Lack of legal form Lack of guarantee Lack of experience 7
8 Innovation in the creation of the instution 5- The operational innovation Partnership Tamkeen to subsidy the profit rate Partner with Remittance co. to use branches Partner with ministries to use their centers Partnership with NGO s to deliver Partnership with collection company Partnership with BCCI to use business center facilities Partnership with a legal firm as CS Major challenges Delivery cost Credit behavior Cost of collection Geographic coverage 8
9 Innovation in the creation of the instution 6- The Non-financial services innovation 1. Pre-disbursement induction training 2. Obligatory entrepreneurship training 3. Monthly meetings, counseling 4. Extensive marketing & sales supports 5. Monthly awards for good customers 6. Incubators and ministerial services links Major challenges Low skills absence of training Low value-added businesses 9
10 Innovation in the creation of the instution 7- The Social Innovation Establish of Idea Factory to introduce creative business ideas Organization of Social Business Weeks Collaboration with Universities students to train clients Collaboration with CocaCola to establish Kiosks for disabled Major challenges Lack of ideas Social role Impact on the bank 10
11 Partners NGO s 11
12 Islamic Developed Products 12
13 Achievements since March 2010 About 1700 members Grameen 1350 & MEF 350 active members Financed business sectors 13
14 Achievements since March 2010 No of clients Number of created jobs (Upto April) 14
15 Activities & participation.. 15
16 Sample of supported businesses 16
17 17
18 Thank you for your attention! قال هللا تعالى ى ع ال م ه و ال م ؤ م ن ون و س ت ر د ون إ ل ك م و ر س ول الل ه ع م ل و ق ل اع م ل وا ف س ي ر ى ال غ ي ب و الش ه اد ة ف ي ن ب ئ ك م ب م ا ك نت م ت ع م ل ون )التوبة : 105 ) 18
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