1. Two Days Specialized Training Workshop on
Islamic Microfinance
(Including Islamic Banking, Islamic Finance and Islamic Insurance)
16th & 17th September, 2012 in Sana’a, Yemen
Jointly Organized By
Yemen Microfinance Network (YMN)
AlHuda CIBE
Islamic Microfinance – an incredible tool to Alleviate Poverty!

2. Chairman Message
Training Summary
Picture
Yemen has a population size of 23
Million, one of the most ethnically
homogenous in the region, with 3%
population annual growth rate. 71%
of the population lives in the rural
and 29% in urban areas. 34.8% live
below the poverty line. Overall,
social and economic circumstances About AlHuda CIBE
in Yemen create a homogenous AlHuda Center of Islamic Banking and
traditional society where many Economics (CIBE) is a well established
decisions are influenced by the name in Islamic financial Market which is
religious considerations. So, Islamic working in the field of Islamic Banking and
Microfinance would be highly Economics from the last 7 years in Pakistan
and around the globe. It is the pioneer
accepted there and would ultimately organization to start effort for the promotion
help in reducing poverty of Yemen. of Islamic Banking and Finance in masses
through Advisory and Consultancy,
Islamic Microfinance is an emerging Education, Trainings, Awareness, Product
market in the field of Islamic finance, Development and Publications.
so there is an immediate need to
educate, train and conduct market
study and awareness campaigns on
this subject. The aim of this training About Yemen Microfinance
is to provide edification and Network
trainings to Microfinance & Finance The Yemen Microfinance Network (YMN)
Professional with an additional was established as a result of a joint project
opportunity for their educational of the Social Fund for Development (SFD)
uplift under Islamic financial system. and United Nations Development Program
(UNDP) aimed at establishing the country’s
An individual would be able to learn first professional microfinance association.
new techniques and opportunities in Since its establishment the network
this field. focused on the fore mentioned priority
issues, providing up to date 38 training
courses that benefited more than 500
beneficiaries, It also focused on increasing
transparency in the Yemeni sector
producing quarter reports of financial and
non-financial indicators and a number of
researches and surveys such as a
compensation survey, and the impact of
crises on microfinance.

3. Islamic Microfinance – an incredible tool to Alleviate Poverty!
Yemen Microfinance Network (YMN)
AlHuda CIBE
Contents of Training
A Glance on Islamic Banking & Finance
• Riba and Prohibition of Riba
• Economic Rationale for Prohibition of Riba.
• Difference between Islamic Finance & Conventional
Finance Mechanism
• Islamic Finance – Characteristics
Shari'ah Foundation and Applications of Islamic Microfinance
• Conceptual Framework of Islamic microfinance
• Islamic Microfinance – Characteristics
• Sustainability, outreach and Problems pertaining to microfinance system
Microfinance & its Product Mechanism
• Islamic Micro Finance as effective tool of poverty alleviation
• Islamic Micro Financial Products Mechanisms & Compatibility with Conventional
Microfinance Products
• Trade Based Modes of Islamic Microfinance (Murabaha, Salam, Istisna etc.)
• Mechanism of Trade Based Product (Murabaha, Salam & Istisna)
Islamic Microfinance Products
• Partnership based of Islamic Microfinance (Mudarabah & Musharakah)
• Rental Based Mechanism/Products of Islamic Microfinance (Ijarah & Diminishing
Musharakah)
• Application of Partnership & Rental based modes in Islamic Microfinance
Different Models & Deposit Management in Islamic Microfinance
• Definitions, Concept & Uses of Waqf, Qarz-e-Hassan, Cooperatives & Zakat in Islamic
Microfinance system
• Liability (Deposit) Management Techniques for Islamic Microfinance
• Product Development for Islamic Microfinance Institutions.
• Development of Islamic Microfinance in Yemen - A Case Study
Micro Takaful (Islamic Micro Insurance) & Risk Mitigation
• Definition of Micro Takaful. How MicroTakaful products works with Islamic Microfinance
• Structure, Operation and Performance of Micro Takaful for Poverty Alleviation
• Opportunities and Challenges of Micro Takaful in Islamic Microfinance

4. Islamic Microfinance – an incredible tool to Alleviate Poverty!
Yemen Microfinance Network (YMN)
AlHuda CIBE
Speakers' Profile
Qazi Abdul Samad
Qazi Abdul Samad is a skilled professional with proficiency in Shari’ah advisory, In-
depth knowledge of Shari’ah Microfinance, Innovative, commitment & pro-active
approach to work, Strong communications & analytical skills and able to manage and
train others. Currently, he is working as a Shari’ah Advisor of The Bank of Khyber -
Pakistan. He is also a visiting lecturer of Islamic Financial System in Management
Science Department of City University, Peshawar. He has been providing Shari’ah
advisory and supervision in many organizations. He is an author of many articles and
has presented articles in many International conferences.
Muhammad Zubair Mughal
Muhammad Zubair Mughal is a passionate and hardworking individual with a strategic
vision in Islamic Micro Finance. He is a skilled Islamic financial professional and a
keen learner of Islamic Microfinance and Islamic Micro insurance with good public
speaking and training skills. He is currently working as a Chief Executive Officer of
AlHuda centre of Islamic Banking and Economics. He has a professional experience
Islamic Microfinance of over 10 years. He has development Many Islamic
Microfinance Products which are being utilized in Pakistan, Middles East & Africa, he
has also presented his research papers on Islamic Microfinance in many International
conferences in South Africa, China, Kazakhstan, Russia, Kenya, Pakistan, U.A.E,
Mauritius, Afghanistan, Turkey, Tatarstan, Jordan and Iraq etc.
Name
Name

5. Islamic Microfinance – an incredible tool to Alleviate Poverty!
Yemen Microfinance Network (YMN)
AlHuda CIBE
Benefits to Participants
The attendees of this training would have the following benefits:
§ In-depth Knowledge of Islamic Microfinance, its concept, Models & Operational practices.
§ Learn new Techniques of Poverty Alleviation, Social Development & Financial Inclusion
through Islamic Microfinance.
§ Shariah Principles and Mechanism about Islamic Microfinance
§ Opportunity to gain knowledge about global practices on Islamic microfinance through
learned national and international scholars and experts
§ Encouragement of practitioners/microfinance institutions/ donor agencies/ Government
institutions about the mechanism of Islamic Microfinance system
§ Provision of a Platform to start a dialogue with multilateral donor organizations
§ Opportunities for collaborations/partnerships with donor agencies, Islamic banks and
Islamic Microfinance Institutions/Networks.
§ Learn new techniques of financing and opportunities in emerging Markets
Method of the Training
Training would consist of the following methods:
§ Lectures/Slide Shows/Multimedia Presentations
§ Class discussions and experience sharing
§ Individual and group work presentation
§ Case Studies
Training material will be provided as per the course outline which is being generated by
Experts. A detailed facilitation plan for each session of training course will be developed
including PowerPoint Slides and Printing copies of the material.
Who Should Attend?
§ Microfinance Professionals and Experts § Social Development Sector
§ Microfinance Institutions & Banks § Govt. Development Departments
§ Financial & Banking Institutions § Local and International Donor's Agencies
§ Rural & Agri. financial Professional § SMEs & Corporative Societies
§ Community Developments § Academia
§ NGOs and NPOs § Philanthropists and Investors
§ Insurance Companies § Regulators and Govt. Officials
§ Development Consultant § Shari'ah Scholars and Experts
§ Management Consultants

6. Registration Form
Two Days Specialized Training Workshop on
ISLAMIC MICROFINANCE
16th -17th September 2012 at Sana'a, Yemen
Please complete and return by e-mail, regular mail or fax.
Please note that the name and title you give here will be printed on participants’ list and on certificates.
1. Participant Information
Title______________________________ Prof. Dr. Other: _______________________________ Mr. Ms. Mrs.
First name__________________________________________________________________________________________________________________________________
Last name___________________________________________________________________________________________________________________________________
Organization ________________________________________________________________________________________________________________________________
Address______________________________________________________________________________________________________________________________________
Postal/Zip code________________________ City: _______________________________________________________________________________________________
Country: ___________________________________________________________________________________________________________________________________
Telephone: ________________________________________________________________________________________________________________________________
Fax: _____________________________ E-mail:___________________________________________________________________________________________________
Event you wish to join (Conference/ Workshop): _______________________________________________________________________________________
2. Conference Fee
Conference fees include admission to conference sessions, tea/coffee, lunch, registration materials and Certificate.
Event Name Fee for Yemen Participants (US$) Fee for Int'l Participants (USD)
Two Days Specialized Training Workshop on
US $450 US $650
ISLAMIC MICROFINANCE
3. Discount Policy 4. Account details form payment
v Five or more delegates from the same You can proceed your fee by cheque or demand draft in favour of Yemen Microfinance
organization - 20% discount. Network (for Yemen's Participants), foreign participants will proceed the payment
in the favor of AlHuda CIBE. You can also transfer your fee online.
For International Participants (Dollar Account)
Title of Account: AlHuda Centre of Islamic Banking and Economics
** Please state the conference name and the full name of the participant
Bank Name: Standard Chartered Bank on the reverse of the cheque.
Branch Name: Garden Town Branch, Lahore -Pakistan Payments should be made in USD.
A/c No: 01-1647086 -01
SWFIT code: SCBLPKKX
5. Additional Instructions 6. Cancellation Policy
vPayment Information Registration forms must be accompanied by full payment in order v Cancellation of participation must be received in writing and before September 10, 2012.
to be processed. v If the cancellation is received before the deadline, then it will be accepted and half amount of fee will be refunded.
vFull payment is due on registration v The amount could not be refunded if the cancellation received after the deadline.
vRegistration will not be confirmed until full payment has received v Registration cancellations will be subject to a $75 service fee.
vConfirmation Please allow 3 days for e-mail confirmation of your registration. v After the cancellation deadline, no refunds will be granted. If you are unable to attend, you may substitute another
individual in your place at no extra charge.
Date:_____/_____/_______ By sending in this registration form, I acknowledge that I commit myself to the immediate
payment of the full conference fee. I have taken notice of the cancellation terms on this form.
Signature: _______________________________

7. Shariah Compliance Solution for Microfinance
Centre of Excellence in
Islamic Microfinance
Our Islamic Micro Financial Services
Islamic Microfinance Product Research and Innovation
Development
Training & Capacity Building Publications & Reports
Shariah Advisory Networking and Awareness
Visit us:
w w w. a l h u d a c i b e . c o m / i m h d
For Registration Please Contact
Yemen Microfinance Network (YMN) AlHuda Center of Islamic Banking and Economics
Ali Abutaleb Sumera Naz
Training Executive Manager Corporate Communication
Office: +967 1 265870 Tel: +92-42 35913096-8
Yemen Microfinance Network (YMN)
Email: info@yemennetwork.org Email: info@alhudacibe.com
AlHuda CIBE
Web: www.yemennetwork.org Web: www.alhudacibe.com
For Registration:
www.alhudacibe.com/application.php