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Kuwait Head Office

United Arab Shipping Company Bldg.Block 6, Bldg. 3, 1st Floor, Airport St.

Kingdom of Bahrain Office

Office 21, 2nd Floor, Bldg. 20, Bahrain Tower Block 305, Road No. 385, Al Khalifa Avenue

Malaysia Office

Suite #112, Pavilion, C-GF-08 Jalan Puteri 7/13, Bandar Puteri Puchong

United Arab Emirates Office

Unit No. R29-38Reef Tower, Jumeirah Lake TowersCluster O
487232 Dubai

UK Office

Ground Floor23 Austin Friars

Lebanon Office

Mkalles Highway, Mkalles 2001 Bldg., 3rd Floor

Egypt Office

Golden Gate Tower, Autostrad Rd.Western Maadi near Al Lasilky St., 7th Floor

India Office

Office 309, SCK 01, Smart CityKakkanad, Kochi

Kingdom of Saudi Arabia Office

Office No. 8402, 8th FloorNew Real Estate Bldg., Tower No. 4Al Malaz Area, Street No. 60
28774 Riyadh

Kingdom of Morocco Office

Casa Twin Tower Business CenterTwin Center, Tour Ouest, Angle Boulevards Zerktouni & Al Massira16th Floor, Office No. 1605

Pakistan Office

Office No. B-101 & B-1021st Floor Blossom Trade Centre Plot No. SB 25Block No. 1 Gulistan-e-Jauhar




Rim Richani
[email protected]

Path Solutions: Microfinance


iSHRAQ*Microfinance module enables financial institutions to run the mass retail services that comprise microfinance and community banking at lower cost.

The system delivers high security, efficiency, resilience and cost savings for financial institutions assisting them to develop loan programs to finance projects, training and education. 

iSHRAQ*Microfinance Loan Programs Business Features:

No collaterals, guarantors, or bank accounts

No penalties for late payments

Loan full or partial dropping in case of customer death or inability to repay

Grouping concept to mitigate collection risk (Takaful concept)

Customer performance tracking for further loan programs.


iSHRAQ*Microfinance Loan Programs Typical Financing Cycle:

Program announcement and applicant registration

Applicant visit and application filling

Primary approval

Encouragement meetings

Commitment proofing fee payment

Attendance of induction course and collection of attendance fee per session

Collection of required application documents, agreement on loan amount and repayment tenure

Final Approval

Insurance company agreement

Group forming, leader selection, and announcing of the periodical meeting date / location

Loan disbursement

Periodical meetings for collection of loan and insurance amounts

Periodical visits to follow up on loan usage

Commitment & payment schedule

Compliance with loan usage that allows the customer to:

Apply to other loan programs before or after current loan maturity

Apply to the same loan program after its maturity with greater amounts

Maintenance transaction for the booked loans:

Loan rescheduling request, study, and approval

Early settlement and rebate amounts

Loan dropping request, study, and approval

Arbitration closures.

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