1. Director SME Financing Guarantee Program, SIDF (K.S.A) Mohammed Hammoudah Kafalah SME Financing Guarantee Program

3. The reality of SME’s sector in Saudi Arabia

7. The need of a new source in SME’s sector to reduce the funding risk, creates Saudi Banks SME Financing Guarantee Program Kafalah

8. The role of Kafalah program in supporting SME’s.

10. * Compatible with the Islamic Regulations. Credit facilities types * Types of financing Fixed Assets Working Capital Kafalah percentage 80% Murabaha loan Tawaroy trade Letters of guarantee Tawaroy Loan Letters of Credits Others Murabah

12. Kafalah Achievements during the period from 2006 till the 3 rd Quarter of 2011.

13. The program achievements during the period from 2006 until the 3 rd Quarter of 2011. *conversion rate 1 US $ = 3.75 SR. ** the 3rd Quarter of 2011 . Number Of Beneficial Projects Number Of Guarantees The Value Of Guarantees * The Value Of Funding * Years 36 51 22 49 2006 211 263 128 278 2007 207 292 118 279 2008 315 504 181 464 2009 480 777 271 716 2010 536 873 437 935 2011 ** 1,785 2,760 1,157 2,721 Total

14. Relative importance of the guarantees according to the economic sectors

15. Percentage of the guarantees according to gender Percentage of the guarantees according to nationality

17. The program achievements in the field of training and education

18. The challenges and difficulties which faces the program

21. Promoting the program

24. Thank you for listening