Jamil Abbas. General Manager PBMT Social Ventures Ltd., Singapore
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1 BMT THE INDONESIAN MODEL OF ISLAMIC MICROFINANCE, AND THE IMPORTANCE OF A UNION IN SUPPORTING THE GROWTH OF ISLAMIC MICROFINANCE INSTITUTIONS IN THE COUNTRY Jamil Abbas General Manager PBMT Social Ventures Ltd., Singapore 11 th Kuala Lumpur Islamic Finance Forum November 2014 * Hotel Istana Kuala Lumpur CIty Centre
2 BMT The Indonesian model of Islamic microfinance, and the importance of a union in supporting the growth of Islamic microfinance institutions in the country 28 Million Poor people in Indonesia 37 % Poor Less than 63 % IDR 10,091 (USD 0.86) per person per day Rural Poor Urban Poor Source: Indonesian Bureau of Statistics, March 2014 CERT All rights reserved. 1
3 Rich Middle Class BANKABLE Well-served by the banks Poor??? BMT Baitul (House) Maal (Social) Tamwil (Business) Baitul Maal wat Tamwil The House of Social and Business CERT All rights reserved. 2
4 BMT Islamic microfinance institution i i Established independently by the people Legal form : Cooperative To fight poverty Social enterprise Our Approach 1. Saving 2. Customized Products & Services 3. A blend of social & business CERT All rights reserved. 3
5 Flow of Funds DONORS Zakat Infaq Shadaqah Wakaf Donation Commercial Financing for MSME MEMBERS Saving BANKS Mudharabah Musharakah INVESTORS Mudharabah Musharakah Social Activities, incl. Non-Commercial Financing BMT Microfinance Model Micro enterprise Commercial Loan Microfinance BMT Tamwil Division Poor Non commercial loan BMT Maal Division Poorest of the Poor Grant BMT Maal Division Grant Saving education Technical guidance Poorest of the Poor Poor Non commercial loan Saving education Technical guidance Financial service Capacity Building Micro enterprise CERT All rights reserved. 4
6 11th Kuala Lumpur Islamic Finance Forum KLIFF2014 Loss Sharing Natural Disaster Death Financing Write off Fire Supporting The Micro-entrepreneurs CERT All rights reserved. 5
7 True Story 1 Mrs. Kari (50 years old) Cassava snack producer Member since 1999 First Financing: USD 50 Term of Payment = 10 months Last Financing: USD 500 Term of Payment = 24 months Income : USD 10 /day Saving : USD 2,5 /day True Story 2 Mr. Agus Suhara (38 years old) Motorbike workshop Member since 2007 First Financing: USD 50 Term of Payment = 5months Last Financing: USD 500 Term of Payment = 24 months Income : USD 25 /day Saving : USD 2 /day CERT All rights reserved. 6
8 Other Social Activities = = BMT Union of Indonesia CERT All rights reserved. 7
9 BMT BMT BMT BMT BMT BMT BMT Branches / Offices Employees Members/ Beneficiaries Impact 780 Units 11,380 Persons 2,174,342 Persons 8,697,368 Person Source: From 548 BMTs, the members of Perhimpunan BMT Indonesia CERT All rights reserved. 8
10 A Smart & Proactive Bridge GOVERNMENT DONORS INVESTORS & BANKS COMPANIES Suppliers, Buyers & CSR UNIVERSITIES & RESEARCH CENTERS CERT All rights reserved. 9
11 A Smart & Proactive Bridge A Smart & Proactive Bridge CERT All rights reserved. 10
12 An example Investment Placement/ Financing Financing Profit share Profit share Profit share Investors A Union s Subsidiary BMTs Micro-enterprises Summary 1. Islamic (social) microfinance is an effective and sustainable solution for poverty alleviation. 2. Islamic microfinance institution is the partner of Islamic bank in regard to financial inclusivity and in fulfilling the social roles of Islamic finance. CERT All rights reserved. 11
13 Summary 3. The Union plays important t role in the growth of Islamic microfinance institutions in the country as it improves efficiency of the Islamic microfinance institutions and creates synergies among them. Thank You jamil.abbas@permodalanbmt.com CERT All rights reserved. 12
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