1) The document discusses various models of Islamic microfinance, including mudarabah, musharakah, murabahah, ijarah, and qardhul hasan. 2) Mudarabah involves a partnership between a microfinance institution and entrepreneur, with profits shared but losses borne by the institution. Musharakah also involves partnership but with shared profits and capital-proportional losses. 3) Murabahah involves the institution purchasing an asset for the entrepreneur and reselling it at a mark-up to be paid back in installments. Ijarah Muntahia Bitamleek is a lease-to-own arrangement, while qardhul hasan

1. Sucssefull of micro finance
Islamic micro finance

2. Basically
Micro finance is ??

3. intro
 The financial institutions offer financial
services such as: saving accounts, financing
services for the customers, insurance,
financing business project and money transfer.
The extra services, such as insurance, are
considered a worldwide mutual orientation of
the financial institutions resulting from the
growing need for such services by the
customers. Money transfer across continents
became easy and fast and different types of
insurance appeared in the industrial countries
such as, life insurance, sheep insurance and
climate insurance.

4. Finace
The success of many MFIs can be determi
ned by its ability to merge the successful
practices of the informal sectors' instituti
ons in the
formal institutions

5.  The practices include: flexibility, money
easy access, easy and clear conditions
 . The success relies on the ability to
transform these attributes from the
financiers to the formal financial
institution with reducing the revenues
margins

6. To success finance
1-Quick access:
2-Clear, easy and flexible terms:
3-Permanent services:
4-Alternative guarantees and guarantees
substitutes:

7. Quick access
 The quick approval and payment of the
financing are crucial issues for
customers. Mostly it is the main reason
motivates people to deal with the money
lenders even with very high revenues
margins.

8. Clear, easy and flexible
conditions:
Suitable condition
Administrative fees
No specific goal
Control the client

9. Conditions in Sudanese
banks
1-provide finance to an active poor
2- loan amount is 20000SDG
3- provide a suitable grantee
4- choose the method to pay back

10. Permanent services
The discontinuity of the financing services
is considered the primary weak point for
many projects which, despite its
effectiveness

11. Alternative guarantees and
guarantees substitutes
 Poor people usually lack traditional
guarantees. , many MFIs use other
types of guarantees known as
alternative guarantees or guarantees
substitutes. The group guarantees is a
good example of the first type while the
private properties such as machines and
jewelry represent the guarantees
substitutes which are not approved in
the ordinary banks.

12. Grantee accepted by formal sector
1- group grantee
2- saving of group
3-mortage of propriety except family home
4- salary
5- deposits
6-personal grantee
7- check grantee
8- social grantee

13. Islamic MF

14. 5.1 Mudarabah
 Mudarabah has the potential to be
adapted as Islamic microfinance
scheme. Mudarabah
 is where the capital provider or
microfinance institution and the small
entrepreneur
 become a partner
 . The profits from the project are shared
between capital provider and
entrepreneur, but the financial loss will
be borne entirely by the capital provider.

16. Mudarabah
Mudarabah structure may also be based
on two-tier structure or re-mudarabah
where 3
 parties i.e. capital provider
(public,government, zakat, waqf etc.),
intermediate mudarib (IslamicBank) and
final mudarib (micro entrepreneur). The
profit-sharing ratio on mudarabah is pre-
determined only as a percentage of the
business
 profit and not a lump sum payment.

18. Musharakah
Musharakah can also be developed as a
micro finance scheme where Islamic
bank will enter
into a partnership with micro
entrepreneurs. If there is profit, it will be
shared based on pre-agreed ratio, and if
there is loss, it will then be shared
according to capital contribution ratio.
The mos suitable technique of
musharakah for microfinance could be
the concept diminishing partnership or
musharakah mutanaqisah.

20. Murabahah
 Using murabahah as a mode of
microfinance requires Islamic bank to
acquire and purchase
 asset or business equipment then sells
the asset to entrepreneur at mark-up.
Repayments of the selling price will be
paid on installment basis

22. 5.4 Ijarah
 Ijarah Muntahia Bitamleek is an
elaborate concept of ijarah where the
transfer of ownership will take place at
the end of the contract and pre-agreed
between the lessor and the lessee.+

23. 5.5 Qardhul Hasan
 Another simple concept that can be
advanced for microfinance purposes is
qardhul hasan or
 simply means an interest free loan.
Islamic bank can provide this scheme to
the entrepreneurs who are in need of
small start-up capital and have no
business experience. The Islamic bank
then will only be allowed to charge a
service fee.