amanah ikhtiar malaysia

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amanah ikhtiar malaysia
A M A N A H I K H T I A R M A L AY S I A
“ Empowering the Socio Economy of Low Income Households
is the Responsibility of AIM Workforce “
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
Led By
DR. ZUBIR HARUN
Executive Chairman
Amanah Ikhtiar Malaysia
DATUK DR. A. MANAF HUSSIN
Deputy Chairman
Amanah Ikhtiar Malaysia
BOARD OF TRUSTEES
Datuk Hj. Yusoff
HM Haniff
Tuan Hj. Mohamad
Shahaimi Othman
Norsharizal
Mashahrin
Hazim
Jamaluddin
To be a
renowned, revered,
dynamic world-class
microfinance institution,
that eradicates poverty
and increases the
well-being of ummah.
Our Vision
Our Missions
To be financially
healthy
To be
sustainable
To expand
growth
Our roles in helping the poor
We create bankable individuals
We develop self-esteem
We provide job opportunities
We make the poor, BANKABLE
Menara Amanah Ikhtiar,
No.3, Jalan Cempaka SD12/1A,
Bandar Sri Damansara PJU9,
52200 Kuala Lumpur
Malaysia
03-6274 8810
www. aim.gov.my
www.facebook.com/AmanahIkhtiarMalaysia
Our Headquarters
Coverage
6 Zones
23 Regions
138 Branches
Our Strengths
Provide
Microfinance
Empower
Poor
Families
Business
Development
Facilitate
income and
assets
growth by
lending
capital
Increase
selfconfidence
which
helps to
make
changes
Strengthen
financial
literacy
through
training and
education
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
SYARIAH ADVISORY BOARD
Established in 2009, the AIM
Syariah Advisory Board members
are highly experienced in Syariah
and Islamic studies and/or Islamic
finance.
Dato’ Bakir Hj.
Mansor
Datuk Abu Hasan
L. Din Al Hafiz
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.
Associate Professor
Dato’ Syed Mohd
Ghazali Wafa Syed
Adwam Wafa
Professor Dr. Abdul Rahim
Abdul Rahman
Associate professor
Dr. Engku Rabiah Adawiah
Engku Ali
FUNDS DISBURSEMENT SYSTEM EXCLUSIVELY DESIGNED FOR
TARGET GROUP
TARGET
GROUPS
HARD CORE POOR/POOR/LOW-INCOME WOMEN
PRODUCT
• Economy
• Education
• Multi-purpose
TERMS & CONDITIONS
APPROACH/ PROGRAM
• 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
Our Target Groups
Low Income
Earning Below USD 722 /
Month
(RM 3080 / Month)
Target
Groups
Poor
Hard core
Poor
Earning Below USD
106 / Month
(RM 457 / Month)
Earning Below USD 170 / Month
(RM 733 / Month)
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.
Our Products
Our Products
i- Mesra
Up to RM 5,000
i- Srikandi
Up to RM 20,000
i- Wibawa
Up to RM 5,000
i- Penyayang
Up to RM 5,000
i- Emas
Up to RM 5,000
Education
i- Bestari
Up to RM 5,000
Multi-purpose
i-Sejahtera
Up to RM 10,000
Economy
The AIM Business
Model & Process
01
An AIM officer identifies
and registers hard core
poor, poor and low-income
households.
02
The officer disseminates
information to these
households regarding
opportunities provided to
increase and improve
livelihoods.
03
The borrowers (Sahabat)
form groups of five in a
particular centre.
04
The AIM officer disburses
funds to borrowers.
05
The AIM officer regularly
monitors how borrowers
use funds.
06
Repayment, compulsory
group savings, welfare
and wellbeing funds and
administration charges
collections happen at
weekly meetings.
Disbursement Method
RM 5,000
over 50
weeks
RM 10,000
RM 20,000
10%
-
(1% halal +
insurance)
over 50
weeks
-
(1% halal +
insurance)
over 50
weeks
-
(1% halal +
insurance)
=
RM 110 /
week
=
RM 220 /
week
=
RM 440 /
week
COMPETITIVE ADMINISTRATION CHARGE
(ANNUAL)
The Used of 10% Charges
THE
10 PER CENT
ADMINISTRATION
CHARGE IS USED
FOR:
Human resources
Crises funds
Operational risks
Borrowers training
Borrowers Training
Basic Entrepreneurship Training
Advanced Entrepreneurship Training
Business Transformation Program
Upskilling
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
TRAINING
Training Programs
Entrepreneurship Training (Fundamental)
Entrepreneurs Development Training
Business Enhancement Training
Skill-Based Training
Bookkeeping Training
Training Programs
Retail Transformation Program
Manufacturing Transformation
Program
Sewing and Craft
Transformation Program
STATISTICS
Number of Borrowers
Number
39,400
61,800
154,000
366,000 active
borrowers…
and growing
253,000
500,000
250,000
Year
1995
2000
2005
2010
2015
September 2015
Funds Disbursement
(Cumulative)
USD 2.97 Billion (RM 13 Billion)
1987
Total Outstanding
USD 411 million (RM 1.8 Billion)
ACHIEVEMENTS
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)
SUCCESS Stories
Siti Aisyah Mohd Yunus
Catering services provider
Kepong
Earnings before joining AIM ― RM 3,100 per month
After joining AIM
― RM 12,000 per month
Increase of
387 %
“
AIM has helped me to improve my livelihood.
Now I own a large scale catering business thanks to AIM.
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 %
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 %
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)
www.aim.gov.my

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