1000807_Brochure

GoinG Beyond Microcredit and ShapinG the Future oF MicroFinance

Main Conference Days: 20 & 21 January 2015

Workshops: Afternoon of 20 & 21 January 2015

Venue, City & Country: Fairmont Towers, Cairo, Egypt

Supported By:

Keynote SpeaKer:Dr Mohamed Al Maait, Vice Chairman, Egyptian Financial Services Regulatory Authority

SpeaKerS include:

Researched and developed by: Media Partners:

Understand how and why the new law encourages you to provide microfinance Develop better relations with other key stakeholders under the regulatory umbrella including Banks, Insurers, MFIs and NGOs Demonstrate your commitment to helping the less advantaged and tomorrow’s innovative entrepreneurs in Egypt Learn from regional partners on how best to increase financial inclusion products whilst offsetting the risk Highlight new mobile banking technology providers which could help your organisation profit from enhanced microfinance

BeneFitS oF attendinG

Workshop A: Mitigating risk for MFIs and banks to enable greater opportunities for ROI and facilitate increased stable and reliable microfinance activityWorkshop Leader: Ahmed Abdel-Wahab, Head of Micro Lending, Egyptian Association for Comprehensive Development

Workshop B: Create a better ROI on microfinance initiatives by effectively implementing shari’ah compliant microfinanceWorkshop Leader: Mufti Aziz Ur Rehman, Manager Shari’ah, Mawarid Finance

pluS don’t ForGet to attend our two worKShop SeSSionS:

BooK BeFore 13 noveMBer 2014 to Save up to $500!

Mohamed Al Lai, Chief Executive Officer, Al Amal Microfinance Bank, Yemen

Dr Shahinaz Rashad, Executive Director, Financial Services Institute, Ministry of Finance / EFSA

Mr. Emad Ahmed El Sahhar, General Manager and Head of Islamic Banking Sector, Banque Misr

Aly Bashandy, CEO for Technical Affairs, Arab Misr Insurance Group

Sam Thandi, Managing Director, Tokio Marine Family Takaful

Mohamed Abdel Mawla, Technical General Manager, Wethaq Egypt Insurance

Dr Sahar Nasr, Program Manager, Regional MENA MSNE Facility and Lead Financial Economist, The World Bank

Mufti Aziz Ur Rehman, Manager Shari’ah, Mawarid Finance

Mohamed Zakariah, Chief Director of Training, Egyptian Banking Institute

Aya Youssef, Team Leader Microfinance Development Project, EGIC

Karim Hamdy, Head of Dispute & Training, The Egyptian Credit Bureau

Ahmed Abdel-Wahab, Head of Micro Lending, Egyptian Association for Comprehensive Development

For More inForMation or to reGiSter Tel: +971 4 364 2975 Email: [email protected]

www.microfinance-egypt.com Follow us on @iqpcmena

Finance IQ, a division of IQPC, is an authoritative news source for high quality and exclusive commentary and analysis on global finance related topics. Finance IQ is a unique multimedia platform to discuss and learn about the latest developments within the finance sector. Over the last twelve years, Finance IQ has producing tailored conferences in areas ranging from banking technology to sukuk and Islamic finance across the Middle East, Europe, North America and Asia-Pacific.

Dear Colleague,Finance IQ’s inaugural Microfinance Summit for Egypt, formally supported by the Egyptian Financial Services Authority, will offer banks, insurers, MFIs / MFVs and NGOs the earliest opportunity to learn how the new Microfinance Law affects them all, together, for the first time. This summit addresses:What do you need to achieve to expand financial participation and meet the new obligations to provide microcredit and insurance?What investment opportunities can you now take advantage of in the field of microfinance investment and what microfinance investment vehicles are now needed?What mobile finance technology do banks and insurers need to implement in order to expand their microfinance offering to help those on lower incomes?We are proud to introduce a considered program to address:i. How to benefit from the new Egyptian Microfinance Lawii. Overcoming risk in microfinanceiii. Understanding the changing shape of Shari’ah compliant microfinance servicesiv. Investing in innovative mobile banking technologyI look forward to welcoming participants to foster greater relationships and learning between Egypt and solution providers.Yours sincerely,Phelim Rowe Conference Director IQPC Middle East

From Government and Regulators: Director Generals of Financial Regulatory Authorities Heads of Financial Inclusion within Ministries of Finance Directors of PPP Microfinance Policy AdvisorsFrom Banking and Insurance Sectors: General Managers Heads of Retail Heads of SME Business Microfinance Fund Managers Directors of Business Development

From Microfinance Investors (MFIs): Global Strategy Directors Business Development Managers Microfinance and Equity Investment Managers Investor Relations ManagersFrom Non Governmental Organisations (NGOs) Executive Directors Finance Managers Directors of Microfinance Operations Managers

who Should attend?



conFerence day one 20 January 2015

08:00 COFFEE AND REGISTRATION

08:45 Chairman's Welcome Remarks Sam Thanvi, Managing Director, Tokyo Marine Family Takaful

09:00 Keynote Address TOWARDS A FRAMEWORK FOR MICROFINANCE IN EGYPT Dr Mohamed Al Maait, Vice Chairman, Egyptian Financial Services Regulatory Authority

09:30 COFFEE AND NETWORKING BREAK

PART 1: ADDRESSING THE ISSUES & GOING BEYOND MICROCREDIT

10:00 Keynote Address SHOWCASING THE WORK OF THE EGYPTIAN FINANCIAL SERVICES INSTITUTE (FSI): UNDERSTANDING THE CRUCIAL ROLE PLAYED BY THE FSI IN EDUCATING GOVERNMENT MINISTRIES IN MICROFINANCE Dr Shahinaz Abdellatif, Executive Director, Financial Services Institute

10:30 Keynote Address AMB WORKS IN THE FIELD OF PROVIDING INNOVATIVE FINANCIAL SOLUTIONS TO THE MICRO AND SMALL ENTREPRENEURS OF YEMEN Mohamed Al Lai, Chief Executive Officer, Al Amal Microfinance Bank, Yemen

11:00 MICROFINANCE AS AN IMPACT INVESTMENT STRATEGY Looking at the impact of microfinance on the lives of the community in terms of health, education and financing: Input, output and outcome. Join this session for key takeaways on: Social performance vs. financial performance Analysing the need for investors and MFIs to align objectives Evaluating the impact using existing research Thought Leadership Industry Perspective Available: Please contact [email protected] or call +971 4 364 2975

11:30 COFFEE BREAK

12:00 Panel Discussion EVALUATING THE SOCIAL AND FINANCIAL PERFORMANCE OF MFIs VS MIVs The progression of the industry towards profit-driven investors and formalised MFIs has inspired a great deal of discussion on balancing financial and social returns. Given the inconsistency in social performance metrics there is a call to implement measurement procedures. Many key players in the microfinance community are seeking industry consensus on standards for assessing social impact and financial practices. Are these disparities putting

microfinance at risk? Will the industry benefit from having set guidelines? This session will address: MFI perspectives and challenges vs. MIV perspective and challenges Increasing stability and reducing default risk: Addressing loan defaults and debt restructuring Addressing the issue of financial literacy Discussing best practices and regulations: An overview of the recent changes in the regulatory environment and what is to come Dr Sahar Nasr, Program Manager, Regional MENA MSNE Facility and Lead Financial Economist, The World Bank Aya Youssef, Team Leader Microfinance Development Project, EGIC Sam Thanvi, Managing Director, Tokyo Marine Family Takaful Karim Hamdy, Head of Dispute & Training, The Egyptian Credit Bureau Thought Leadership Industry Perspective Available: Please contact [email protected] or call +971 4 364 2975

12:30 INCREASING AWARENESS OF THE IMPORTANCE OF INCORPORATING RISK MANAGEMENT AND CREDIT HISTORY INTO MICROFINANCE PRODUCTS In light of the 2007-2008 tumult that hit global financial markets, practicing responsible finance has become an increasingly important topic – especially for the microfinance industry. Pointed questions are being asked by and about social investors and their investments. Broader concepts about social investor responsibility are emerging. This session will discuss: Comparing social goals with profit goals Addressing the issue of over-indebtedness Discussing client protection and privacy Advancing interest rate transparency Karim Hamdy, Head of Dispute & Training, The Egyptian Credit Bureau

13:00 UTILISING MICROFINANCE INVESTMENT VEHICLES TO ACHIEVE GLOBAL GOALS This session will focus on structuring MIVs as well as highlighting the new markets and future trends. Key takeaways from this session include: Diving deeper into an MIV Analysing MIV performance Selecting the right MIV to achieve your investment goals Entering new markets and predicting future trends Dr Sahar Nasr, Program Manager, Regional MENA MSNE Facility and Lead Financial Economist, The World Bank

13:30 NETWORKING LUNCH



15:30 SHARI’AH COMPLIANT MICROINSURANCE: AN ALTERNATIVE PERSPECTIVE With up to only 10 per cent of Egypt’s 85 million population currently holding bank accounts there is still insufficient access to credit. It is clear that there is a need for microfinance organisations to up their game and facilitate ‘new’ methods of getting financing to those who need it most. Shari’ah compliant microfinance is fast becoming popular with lower income families and businesses in Egypt due to often fairer conditions, less risk on both sides and an aversion to exploitative contractual terms. Who are the future clients of Shari’ah compliant microfinance? Examining the role of governments and investors in advancing the field Exploring the prospective opportunities within the industry to embrace new technology Mohamed Abdel Mawla, Technical General Manager, Wethaq Egypt Insurance

14:30 Takaful Insurance Case Study BENEFITS OF TAKAFUL MICROINSURANCE: SAFEGUARDING CLIENTS AGAINST THE UNEXPECTED Few poor households have access to proper insurance that protects against risks such as severe illness, the death of a family member, or loss of an asset. The poor are more vulnerable to these misfortunes and they struggle to absorb the financial consequences of these events. This session will highlight: Understanding the rise of Takaful insurance Experiences in launching microinsurance products Transforming disaster into opportunities for innovation Building on today for a stronger future through catastrophe insurance Sam Thanvi, Managing Director, Tokyo Marine Family Takaful

15:00 Panel Discussion UNDERSTANDING THE PERSPECTIVE OF THE INVESTOR Funding for microfinance comes from both local and international sources. MFIs are usually funded by loans, guarantees, grants and investments from foundations, NGOs, funds, as well as private and social investors. This panel will discuss the industry investor perspective, covering: Investor incentives: Why they want to invest in microfinance Goals of the investor: What they want to get out of the investment Looking ahead: Investor predictions and goals for the future Thought Leadership Industry Perspective Available: Please contact [email protected] or call +971 4 364 2975

H.E. Mr Hani Al Hamli, Secretary General, Dubai Economic Council with Mr Hawazen Esber, Chief Executive Officer, The Wave Muscat Bank during the Sukuk Congress MENA 2014

H.E. Mr Hani Al Hamli, Secretary General, Dubai Economic Council with Mr Christopher Corander, Managing Director of IQPC – Finance IQ at the Opening Ceremony of Sukuk

Congress MENA 2014

Keynote speakers on opening panel for IQPC’s Banking Technology Turkey 2013 including: Soner Ersoy, CIO, Burgan

Bank; Tunç Bergsan, CIO, Anadolubank; Fahri Öbek, CIO, Türkie Finans Katlim Bankasi



conFerence day two 21 January 2015

PART 2: WHAT LIES AHEAD FOR MICROFINANCE IN THE REGION?

07.15 COFFEE AND REGISTRATION

08:50 Chairman’s Welcome Sam Thanvi, Managing Director, Tokyo Marine Family Takaful

09:00 UNDERSTANDING THE IMPORTANCE OF TRAINING IN THE BANKING SECTOR TO INCREASE UPTAKE OF FINANCIAL INCLUSION AND MICROFINANCE INITIATIVES Mohamed Zakariah, Chief Director of Training, Egyptian Banking Institute

09:30 ISLAMIC BANKING AS A SOCIAL RESPONSIBLE BUSINESS: THE ABILITY TO PROVIDE A RANGE SERVICES AS PART OF SUSTAINABLE ECONOMIC DEVELOPMENT IN THE FIELD OF MICROFINANCE Developing the concept of fund providers sharing the business risk Understanding the concept of money having no intrinsic worth Preventing the limitations of Shari’ah compliant investment activity becoming a barrier to success Protecting against contractual exploitation to help the most vulnerable in society Benefits of the Muraba ‘cost plus mark-up model’ making it separate from ‘interest’ by remaining fixed by the initial amount even when the end customer pays past the due date Mr. Emad Ahmed El Sahhar, General Manager and Head of Islamic Banking Sector, Banque Misr

10:00 INDUSTRY SHOWCASE PRESENTATION AVAILABLE Please contact [email protected] or call +971 4 360 2800

10:30 COFFEE AND NETWORKING BREAK

11:00 WHY MICROENTERPRISE LENDING PROGRAMMES ARE THE KEY TO SUCCESS IN MICROFINANCE: PROVIDING ACCESS TO HOUSEHOLD AND INDUSTRIAL GOODS THROUGH MICROFINANCING Highlighting ways in which growth can be achieved and sustained through funding productive, commercial or service activities led lower income households Benefits of the individual lending methodology tied to specific goods and services for targeted individuals Replicating the results of the EGIC projects in Egypt to lead to higher incomes, more employment opportunities and enhanced living conditions Aya Youssef, Team Leader Microfinance Development Project, EGIC

11:30 Panel Discussion COMPARATIVE MICROFINANCE: DIRECTIONS OF TRAVEL AND REGIONAL INNOVATIONS While microfinance represents a small fraction of the North African region, it is quickly growing. Small businesses are one of the strongest job creators in the region but building these businesses requires access to capital. This is especially difficult with the existence of a large proportion of unbanked microbusinesses. When such businesses even consider approaching traditional banks and lenders, many are turned down due to non-existent credit history and limited collateral so where can they turn to next? This panel will assess: Examining opportunities – the need and demand for microfinance in the North African region Linking unemployment and lack of microfinance Beyond the microloan: Discussing education, business support and business training Predicting the future of microfinance in the region Panelists: Mohamed Al Lai, Chief Executive Officer, Al Amal Microfinance Bank, Yemen Mr. Emad Ahmed El Sahhar, General Manger and Head of Islamic Banking Sector, Banque Misr Mufti Aziz Ur Rehman, Manager Shari’ah, Mawarid Finance Aly Bashandy, CEO for Technical Affairs, Arab Misr Insurance Group

12:00 Health Case Study MICROFINANCE AS A PLATFORM FOR HEALTH IN EGYPT: LAUNCHING MICROCREDIT AND MICROFINANCE PRODUCTS FOR HEALTHCARE There is a critical interplay between poverty and health but microfinance institutions can be the foundation to leverage the poor’s access to health services. This session will: Discuss the link between microfinance and health Highlight pilot projects in Egypt that are seeking to demonstrate how MFIs can be leveraged to provide health on an economically sustainable basis Share experiences from the field to inspire greater microfinance investment in the health services sector Aly Bashandy, CEO for Technical Affairs, Arab Misr Insurance Group

12:30 NETWORKING AND COFFEE BREAK

Group BooKinG diScountS availaBle! Email [email protected]

today to find out more!



13:00 Shari’ah Compliant Inclusive Micro-Finance Product Cast Study CURRENT INSURANCE INCLUSION PRIORITIES FOR WETHAQ AND THE FUTURE OF SHARI’AH COMPLIANT MICROINSURANCE IN EGYPT Finance for those on the lower-end income scale can most easily be afforded through small loans which, in turn, makes householders more economically productive and increases tax receipts for any state. There have been some promising practices in the delivery of inclusive microfinance in Egypt with and without construction related support services. Many aspects of Shari’ah compliant financial products further assist those most vulnerable in society. This session will address: Methods and tools for microfinance institutions to cost-effectively mainstream credit and insurance into the reach of lower income families Pre and post intervention monitoring and evaluation to assess the extent to which such schemes are a success Sharing innovative sustainability strategies to achieve multiple governmental aims Mufti Aziz Ur Rehman, Manager Shari’ah, Mawarid Finance

13:30 Sustainable Energy Case Study FINANCING RENEWABLE ENERGY AND EFFICIENT ENERGY (RE&EE) THROUGH MICROFINANCE A key element in reducing poverty globally is the poor’s access to modern energy services. US AID’S Renewable Energy Microfinance and Microenterprise Programme has been expanding the availability of consumer financing for clean energy services and products in a tailored approach which takes advantage of market conditions. Modern energy for lighting and cooking can improve health, education and savings and lead to income-generating opportunities for the poor. This session will address: Examining the effects of energy poverty on development and the role of microfinance in preventing it Why MFIs have had challenges in implementing lending for energy Highlighting the opportunities for MFIs to invest in energy development Highlighting efforts to support enterprises that provide energy solutions to the poor Demonstrating the commercial viability of a range of consumer payment methods including: remittances, pay as you go, crowd funding, microfinance and mobile phone networks Ahmed Abdelwahab, Head of Micro Lending, Egyptian Association for Comprehensive Development

14:00 NETWORKING LUNCH

15.00 End of Conference Day Two

ETHIX Shari’ah compliant solution for Islamic financial institutions workshop participants from Egyptian banks and

technology providers during Finance IQ’s Banking Technology Egypt Summit 2013

Dr Ibrahim Al Ghusain’s , Director, Projects Development, Infrastructure Projects Development at Kharafi National

giving the keynote speech at Finance IQ’s PPP Investment in Kuwait 2013

Members of the UAE Green Building Council receiving an award at the IQPC Green Investment Summit Middle

East 2013 in Sharjah, UAE



worKShop a

worKShop B

riSK ManaGeMent in MicroFinance

16:00-17:30

addinG roi FroM Shari’ah coMpliant productS

MITIGATING RISK FOR MFIS AND BANKS TO ENABLE GREATER OPPORTUNITIES FOR ROI AND FACILITATE INCREASED STABLE AND RELIABLE MICROFINANCE ACTIVITY

Workshop Leader: Ahmed Abdelwahab, Head of Micro Lending, Egyptian Association for Comprehensive Development

Workshop Rationale: Traditional risk management in microfinance remains generally operated on a “silo” basis, with a lack of transversal vision and weak consideration about risk aggregation or reinforcement. On the other hand, an integrated approach can increase the risk reduction efficiency, taking into account the strong interaction between management areas, avoiding counter productive decisions. Building on lessons learned and example case studies it is clear that integrated risk management methodologies are good topics to share between mainstream banking and microfinance. For both environments, principles remain principles, but the way to implement them could vary. And this variation is clearly and only depending of right management decisions, and in this management area, definitively, no decision is not an option.

CREATE A BETTER ROI ON MICROFINANCE INITIATIVES BY EFFECTIVELY IMPLEMENTING SHARI’AH COMPLIANT MICROFINANCE

Workshop Leader: Mufti Aziz Ur Rehman, Manager Shari’ah, Mawarid Finance

Workshop rationale: This workshop is designed to connect those currently working in banks or insurers to connect to concrete returns on investment provided through Islamic microfinance. In its essence, such financial products have the poorest in society in mind, avoiding exploitation and promoting profit share for both parties, thus encouraging more entrepreneurial activities. This workshop will provide:

Different models and deposit management in Islamic microfinance Micro Takaful (Islamic micro insurance) and risk mitigation An up-to-date overview of Islamic finance and its implications for microfinance Economic rationales for the prohibition of Riba (interest rate) Applications of Islamic microfinance and Shari’ah compliant products Applications of partnership and rental based modes in Islamic microfinance Definitions, concept and uses of Waqf, Qarz-e-Hassan, cooperatives and Zakat in Islamic microfinance system

20 January 2015

21 January 201515:00-16:30



Your Platform – Getting Your Message Across: Each sponsor has a different message, business development goal and branding objectives, our sponsorship package is tailored to your corporate strategies. Though most sponsorship offers multiple levels and types of exposure, there are a few main ways for you to highlight your corporate strengths:

1 Thought Leadership As a sponsor at the Microfinance Egypt Summit your company will gain second-to-none exposure to senior-level decision makers at the point in time that they are seeking solutions, information and systems for improving their firm’s strategies. For a select few sponsors, you can build your reputation as a market leader through subject-specific presentations, workshops and focus days. This highly selective package allows your firm to establish tremendous capability and expertise in your specialty as well as highlight successful work completed with your clients.

2 Premium Branding We bring together buyers and suppliers for collaboration, networking and knowledge sharing. Branding is often a major initiative for our clients who are seeking to get the message out about their offerings. Build your company’s brand and visibility in front of senior decision-makers in order to get shortlisted. As a sponsor, your company branding will appear alongside the global leaders associated with best practices in this field. Our dedicated marketing team will help you achieve your promotional aims in the months leading up to the conference. Finance IQ leverages multiple marketing channels including online, direct mail, email, press releases, media partnerships and social media to publicize the event and increase awareness about your participation to our extensive database, as well as through our network of partners.

3 Featured Networking Events / Face Time Networking and information sharing are two major aspects of our conferences and Finance IQ builds in many opportunities for sponsors to benefit from meeting industry leaders. Focused and high-level, our events will provide you with the perfect environment to initiate new business relationships, identify upcoming opportunities and achieve face-to-face contact that overcrowded tradeshows can not deliver. The exhibition area is designed to be the heart of the event – a place to network and share strategies with key decision makers. Sponsorship opportunities range from exhibition stands to sponsored lunches, cocktail receptions, gala dinners and a host of other branding opportunities.

Additionally Finance IQ offers a selection of sponsorship opportunities that enables our clients to increase their opportunity to develop new relationships during our events, including one-to-one meetings with clients to understand their challenges, requirements and opportunities.

5 Key reaSonS to Support MicroFinance eGypt:1. Raise your profile and position yourself as the national product leader to take advantage of major current regulatory changes

2. You will have access to over 50 Egyptian bank, insurer, NGOs and government decision makers and operators at this event, making it the largest gathering of Egyptian specific entities currently expanding microfinance provisions

3. Providing unparalleled face-to-face time with potential new Egyptian customers through two full days of networking opportunities with key decision makers

4. Tailor made sponsorship packages enabling you to competitively position your brand and increase awareness of your product or service to your target audience

5. A strictly enforced end-user to vendor ratio, creating a more intimate environment for networking and knowledge sharing.

aBout Finance iQ eventS:Finance IQ has held several highly successful events over the last twelve years and our forthcoming events include: Berlin, Germany: 9th Annual Corporate Transfer Pricing

Berlin, Germany: Finanzarchitektur in Banken 2015

Cairo, Egypt: 3rd Annual Banking Technology Egypt Summit 2014

Chicago, USA: 10th Annual IT Financial Management Week

London, UK: Governance Risk and Compliance for Financial Services 2014

London, UK: Operational Excellence Financial Services Europe 2014

London, UK: Insight and Analytics for Insurance 2015

London, UK: Customer Experience Exchange for Financial Services 2015

Kowloon, China: Finance Transformation Asia 2014

New York, USA: Shared Services and Outsourcing for Financial Services and Insurance 2014

New York, USA: Operational Excellence in Insurance 2014

Singapore: 4th Annual Insurance Claims Asia

Sydney, Australia: Finance Transformation Summit 2014

Sydney, Australia: Process Excellence for Financial Services 2014

Sydney, Australia: 10th Annual Loan Origination Excellence

SponSorShip opportunitieS

If you would like more information on sponsorship and exhibition opportunities or to discuss which package will best help you achieve your objectives, please contact our Sponsorship Team on +971 4 360 2800 or email [email protected]

For More inForMation or to SponSor Tel: +971 4 360 2800 Email: [email protected]


REGISTRATION

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Team discounts available on request. Call +971 4 364 2975 for more information.

Hotel and travel costs are not included in the registration fee. For assistance in your travel and accommodation requirements, please refer to details below:Room Reservations Special / corporate rate for room accommodation is available in the hotel. You may contact the hotel directly as per the details above quoting IQPC Middle East or the name of the conference. There are also differently priced hotels in the vicinity. Flight Reservations Contact Bindu Babu at SNTTA Travel & Tours LLC Dubai. Email [email protected] Tel + 971 4 282 9000 Fax + 971 4 282 9988 Online www.sntta.comConference Venue Fairmont Towers Heliopolis, Cairo, Egypt Uruba Street, Heliopolis, Cairo, Egypt, P.O. Box 2466 Phone: + 20 22 267 7730 Website: www.fairmont.com/towers-heliopolis-cairo

If you cannot make the dates you can still access all of the presentations delivered throughout the conference days for just US $450, post event. Contact us on +971 4 364 2975 for further details.

IQPC FZ LLC’s Standard Terms and Conditions

PAYMENT • Payment is due in full at the time of registration and includes lunches, refreshments and detailed conference materials. • Your registration will not be confirmed until payment is received and may be subject to cancellation. • If a booking is received 10 working days before the conference a credit card number will be required to confirm your place, likewise if full payment has not been received before the conference date.

DISCOUNTS • All 'Early Bird' Discounts require payment at time of registration and before the cut-off date in order to receive any discount. • Any other discounts offered by IQPC (including team discounts) must also require payment at the time of registration. • All discount offers cannot be combined with any other offer. • A US$100 processing charge will be applied to all registrations not accompanied by credit card payment at the time of registration. • Any respective payment charges to be borne by the payer. Please ensure that IQPC receives the full invoiced amount.

CANCELLATION, POSTPONEMENT AND SUBSTITUTION POLICY • You may substitute delegates at any time by providing reasonable advance notice to IQPC. • For any cancellations received in writing not less than eight (8) days prior to the conference, you will receive a 90% credit to be used at another IQPC conference which must occur within one year from the date of issuance of such credit. An administration fee of 10% of the contract fee will be retained by IQPC for all permitted cancellations. No credit will be issued for any cancellations occurring within seven (7) days (inclusive) of the conference. • In the event that IQPC cancels an event for any reason, you will receive a credit for 100% of the contract fee paid. You may use this credit for another IQPC event to be mutually agreed with IQPC, which must occur within one year from the date of cancellation. • In the event that IQPC postpones an event for any reason and the delegate is unable or unwilling to attend on the rescheduled date, you will receive a credit for 100% of the contract fee paid. You may use this credit for another IQPC event to be mutually agreed with IQPC, which must occur within one year from the date of postponement. • Except as specified above, no credits will be issued for cancellations. There are no refunds given under any circumstances. • IQPC is not responsible for any loss or damage as a result of a substitution, alteration or cancellation/postponement of an event. IQPC shall assume no liability whatsoever in the event this conference is cancelled, rescheduled or postponed due to a fortuitous event, Act of God, unforeseen occurrence or any other event that renders performance of this conference impracticable, illegal or impossible. For purposes of this clause, a fortuitous event shall include, but not be limited to: war, fire, labor strike, extreme weather or other emergency.

PROGRAMME CHANGES •Please note that speakers and topics were confirmed at the time of publishing; however, circumstances beyond the control of the organisers may necessitate substitutions, alterations or cancellations of the speakers and/or topics. As such, IQPC reserves the right to alter or modify the advertised speakers and/or topics if necessary. Any substitutions or alterations will be updated on our web page as soon as possible.

YOUR DETAILS •Please email our database manager at [email protected] and inform him/her of any incorrect details which will be amended accordingly.

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Conference Package Early Bird PricePayment before 13 November 2014

Standard PricePayment after 13 November 2014

Conference + 2 Workshops US$4499(Save US$500)

US$4999

Conference + 1 Workshop US$3599(Save US$400)

US$3999

Conference Only US$2519(Save US$280)

US$2799

Please indicate your choice of workshop(s): Mitigating risk for MFIs and banks to enable greater opportunities for ROI and facilitate increased stable and reliable microfinance activityCreate a better ROI on microfinance initiatives by effectively implementing shari’ah compliant microfinance

Prices are stated net of any applicable local taxes. A US$100 processing charge will be applied to all registrations not accompanied by credit card payment at the time of registration.

Main Conference Days: 20 & 21 January 2015

Workshops: Afternoon of 20 & 21 January 2015

Venue, City & Country: Fairmont Towers, Cairo, Egypt

Documents

1000807_Brochure