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 Center of Excellence
in Islamic Microfinance
Islamic Microfinance – an incredible tool to Alleviate Poverty!

2. Chairman Message
Dear Colleague's and YMN
Members:
I am So Proud to be a member
of YMN as a Chairman. I have
Training Summary had the privilege of working
with dedicated and talented
employees who make our
Yemen has a population size of 23 Million, Network an innovative and
one of the most ethnically homogenous in successful institution.
the region, with 3% population annual It gives me immense pleasure to present the Islamic
Microfinance and Islamic Finance training
growth rate. 71% of the population lives in workshop that will be held in Sana'a this September
the rural and 29% in urban areas. 34.8% with cooperation of (AlHuda-CIBE) Center of
live below the poverty line. Overall, social Islamic Banking & Economics of Pakistan
and economic circumstances in Yemen It is clear that the demand for Islamic finance has
create a homogenous traditional society increased which is a major opportunity for the
growth of the industry and gets awareness about it
where many decisions are influenced by from highly learned and experienced professionals
the religious considerations. So, Islamic and be the leaders of Islamic Microfinance in Arab
Microfinance would be highly accepted region. Therefore, promoting the awareness of
there and would ultimately help in Islamic Microfinance among the region.
reducing poverty of Yemen. More than ever, we extend our best wishes for the
success of the training and the ultimate benefit for all
the Yemenis from the widespreading Microfinance
Islamic Microfinance is an emerging Industry .
market in the field of Islamic finance, so
there is an immediate need to educate, Best Regard
train and conduct market study and Mohammed Al Lai
awareness campaigns on this subject.
The aim of this training is to provide
edification and trainings to Microfinance & About AlHuda CIBE
Finance Professional with an additional
opportunity for their educational uplift AlHuda Center of Excellence in Islamic Microfinance
under Islamic financial system. An is an initiative of AlHuda CIBE. AlHuda CIBE is a well
established name in Islamic financial Market which
individual would be able to learn new is working in the field of Islamic Banking and Finance
techniques and opportunities in this field. from the last 7 years in Pakistan and around the
globe. It is the pioneer organization to start effort for
the promotion of Islamic Banking and Finance in
masses through Advisory and Consultancy,
Education, Trainings, Awareness, Product
Development and Publications.
About Yemen Microfinance
Network
The Yemen Microfinance Network (YMN) was
established in 2009 as a result of a joint project
between the Social Fund for Development (SFD)
and the United Nations Development Program
(UNDP) aimed at establishing the first professional
microfinance association. The YMN focuses on
training and capacity building of microfinance
practitioners, increase transparency in the sector,
provide information exchange services to members,
produce researches, promote and build awareness
of the microfinance sector. Currently the network
has 11 members that represents more than 90% of
the microfinance industry in Yemen.

3. Islamic Microfinance – an incredible tool to Alleviate Poverty!
Yemen Microfinance Network (YMN)
AlHuda CIBE
Contents of Training
A Glance on Islamic Finance
• Riba and Prohibition of Riba
• Economic Rationale for Prohibition of Riba.
• Difference between Islamic Finance & Conventional
Finance Mechanism
• Development of Islamic Finance in Yemen
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.

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. Workshop Fee
Workshop fees include admission to workshop 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 workshop 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
workshop 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
Organized by
GLOBAL ISLAMIC MICROFINANCE FORUM
8th December, 2012 - Dubai, U.A.E
Post Event Workshop: 9th-10th December, 12
Islamic Microfinance – An Incredible tool for poverty alleviation
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