A M A N A H I K H T I A R M A L A Y S I A. Empowering the Socio Economy of Low Income Households is the Responsibility of AIM Workforce
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1 A M A N A H I K H T I A R M A L A Y S I A Empowering the Socio Economy of Low Income Households is the Responsibility of AIM Workforce
2 Established since 1987 Malaysia s first NGO Microfinance Institution Malaysia s largest Microfinance Institution with lowest NPL rate (1.7%) Awarded Best Islamic Microfinance Institution by Global Islamic Financial Awards (GIFA) for three consecutive years
3 Led By DR. ZUBIR HARUN Executive Chairman Amanah Ikhtiar Malaysia
4 DATUK DR. A. MANAF HUSSIN Deputy Chairman Amanah Ikhtiar Malaysia
5 BOARD OF TRUSTEES Datuk Hj. Yusoff HM Haniff Tuan Hj. Mohamad Shahaimi Othman Norsharizal Mashahrin Hazim Jamaluddin
6 Our Vision To be a renowned, revered, dynamic world-class microfinance institution, that eradicates poverty and increases the well-being of ummah.
7 OurMissions To be financially healthy To be sustainable To expand growth
8 Our roles in helping the poor We create bankable individuals We develop self-esteem We provide job opportunities We make the poor, BANKABLE
9 Menara Amanah Ikhtiar, No.3, Jalan Cempaka SD12/1A, Bandar Sri Damansara PJU9, Kuala Lumpur Malaysia www. aim.gov.my Our Headquarters
10 Coverage 6 Zones 23 Regions 138 Branches
11 Provide Microfinance Empower Poor Families Business Development Our Strengths Facilitate income and assets growth by lending capital Increase selfconfidence which helps to make changes Strengthen financial literacy through training and education
12 We practise Islamic Microfinance COMMODITY MURABAHAH Tawarruq capital, same-day sell-and-buy processes SYURA Mutual consultation, social responsibility, collective decisions, collective goals AIM does not ask for collateral nor guarantors
13 SYARIAH ADVISORY BOARD Established in 2009, the AIM Syariah Advisory Board members are highly experienced in Syariah and Islamic studies and/or Islamic finance. The esteemed academicians are also experienced in developing Islamic finance products and are capable of providing solid advice pertaining to Syariah-compliant products and services. Datuk Abu Hasan L. Din Al Hafiz Professor Dr. Abdul Rahim Abdul Rahman Associate Professor Dato Syed Mohd Ghazali Wafa Syed Adwam Wafa Dato Bakir Hj. Mansor Associate professor Dr. Engku Rabiah Adawiah Engku Ali
14 FUNDS DISBURSEMENT SYSTEM EXCLUSIVELY DESIGNED FOR TARGET GROUP TARGET GROUPS HARD CORE POOR/POOR/LOW-INCOME WOMEN PRODUCT TERMS & CONDITIONS APPROACH/ PROGRAM Economy Education Multi-purpose No collateral No guarantor No threat of legal action Competitive administration charge (10% annually) Continuous funds Economic Development Human Capital Development Social Development Entrepreneur Development
15 Our Target Groups
16 Low Income Earning Below USD 722 / Month (RM 3080 / Month) Target Groups Hard core Poor Earning Below USD 106 / Month (RM 457 / Month) Poor Earning Below USD 170 / Month (RM 733 / Month)
17 Why Emphasize Women? Hunger and poverty are considered to affect women more than they affect men. Poor women are more inclined to take action, to work harder, to prioritise, to take note of their current situation and future generations, and most importantly, to self-sacrifice for the sake of their children. The AIM model suits the daily lives of women where they are more willing to attend weekly meetings and maintain credit discipline.
18 Our Products
19 Our Products i- Mesra Up to RM 5,000 Economy i- Srikandi i- Wibawa i- Penyayang Up to RM 20,000 Up to RM 5,000 Up to RM 5,000 i- Emas Up to RM 5,000 Education Multi-purpose i- Bestari i-sejahtera Up to RM 5,000 Up to RM 10,000
20 The AIM Business Model & Process
21 01 An AIM officer identifies and registers hard core poor, poor and low-income households.
22 02 The officer disseminates information to these households regarding opportunities provided to increase and improve livelihoods.
23 03 The borrowers (Sahabat) form groups of five in a particular centre.
24 04 The AIM officer disburses funds to borrowers.
25 05 The AIM officer regularly monitors how borrowers use funds.
26 06 Repayment, compulsory group savings, welfare and wellbeing funds and administration charges collections happen at weekly meetings.
27 Disbursement Method RM 5,000 over 50 weeks (1% halal + insurance) - = RM 110 / week RM 10,000 over 50 weeks (1% halal + insurance) - = RM 220 / week RM 20,000 over 50 weeks (1% halal + insurance) - = RM 440 / week 10% COMPETITIVE ADMINISTRATION CHARGE (ANNUAL)
28 The Used of 10% Charges THE 10 PER CENT ADMINISTRATION CHARGE IS USED FOR: Human resources Crises funds Operational risks Borrowers training
29 Borrowers Training Basic Entrepreneurship Training Advanced Entrepreneurship Training Business Transformation Program Upskilling
30 Training Objectives To develop 90 per cent of active members to become entrepreneurs with income of more than RM2,300 in 2016 To coach and train 30 per cent of AIM entrepreneurs to have an income of more than RM3,500
31 TRAINING Training Programs Entrepreneurship Training (Fundamental) Entrepreneurs Development Training Business Enhancement Training Skill-Based Training Bookkeeping Training
32 Training Programs Retail Transformation Program Manufacturing Transformation Program Sewing and Craft Transformation Program
33 STATISTICS
34 Number of Borrowers Number 39,400 61, , , , ,000 active borrowers and growing 250, Year
35 September 2015 Funds Disbursement (Cumulative) 1987 USD 2.97 Billion (RM 13 Billion) Total Outstanding USD 411 million (RM 1.8 Billion)
36 ACHIEVEMENTS
37 Global Recognition ASEAN Leadership Rural Award on Rural Development & Poverty Eradication (2013) Best Islamic Microfinance Institution (2013) Best Islamic Microfinance Institution (2014) Best Islamic Microfinance Institution (2015) Best Islamic Finance Case (2015)
38 SUCCESS Stories
39 Siti Aisyah Mohd Yunus Catering services provider Kepong AIM has helped me to improve my livelihood. Now I own a large scale catering business thanks to AIM. Earnings before joining AIM RM 3,100 per month After joining AIM RM 12,000 per month Increase of 387 %
40 Firdaus Saad Tapioca chips producer Selayang I would not be where I am today without AIM. Thank you so much for your assistance. Earnings before joining AIM RM 1,696 per month After joining AIM RM 22,116 per month Increase of 1,304 %
41 Jumaaiah Salim Traditional food entrepreneur Barat Laut Selangor AIM showed me that I too can achieve success, as long as I work hard and want more! Thank you AIM. Earnings before joining AIM RM 300 per month After joining AIM RM 8,190 per month Increase of 2,730 %
42 Narrated by Abu Hurairah, The Messenger of Allah SAW said: Whosoever removes a worldly grief from a believer, Allah will remove from him one of the griefs of the Day of Judgment (Hadith Riwayat Muslim)
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