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Guidance Financial Group Guidance ResidentialLeadership in Participatory Home FinanceDeclining Balance Co-Ownership Program

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Introduction

• About Us

• Unique Islamic Home Finance Platform

• Extensive Group Resources and

Expertise

+About Us

Capital Guidance is a 45-year old, privately-held multinational investment group

Offices in Washington DC, Paris, Geneva, Beirut and Riyadh

1,500 employees throughout North America, Europe, the Middle East and Asia

Over 30 years of commercial real estate development experience spanning 4 development companies

and over 75 projects

Madison Marquette, a Capital Guidance subsidiary, has developed or re-developed properties worth

nearly $2.0 billion and manages/leases about 50 shopping centers

Long history of investing in marketable securities and private equity funds

Capital Guidance

Guidance Financial

Group

Guidance

Residential

International Housing Finance

Guidance Investments

+Established International Footprint

Guidance Financial Group has offices in the primary centers of Islamic finance

Paris Geneva

Beirut

Riyadh

Washington DC

Kuala Lumpur

+Unique Islamic Home Finance Platform Guidance Residential (the Company) is a US-

based residential finance firm focused on

providing Participatory Home Financing

(Declining Balance Co-Ownership Program) in the

US

The Company is a subsidiary of Guidance

Financial Group, which specializes in

Participatory investment services, and draws on

the resources of its parent, Capital Guidance

The Company is the leading US provider of

Participatory Home Financing (Declining

Balance Co-Ownership Program) having

captured nearly 80% of all households seeking

this type of financing.

Guidance Residential

Most Recognized &Trusted Brand in the US

+Guidance Investments - Guidance Financial Group

Founded by Guidance Financial Group in 2002, Guidance

Investments and its affiliates, have raised $ 740 million

from global Islamic investors

History of attracting GCC capital into Asian investment

The Company has an extensive network of relationships

with over 200 Islamic investors

Banks and financial institutions

Family offices and high net worth individuals

Insurance companies

Sovereign wealth funds

Investment companies

Access to these investors throughout Southeast Asia, GCC

and other Islamic investment centers provides valuable

market intelligence and critical mass

Insight into investor sentiment and goals

An essential input into the product development process

+Guidance Investments/Guidance Financial Group

LebanonOmanBrunei

PakistanIndonesia

QatarSingapore

UKKuwait

BahrainU.A.E.

Saudi ArabiaMalaysia

Investor Network by Country

SEAsia

+Human Capital in Islamic Finance – The Need & The Definition

The global Islamic Finance industry is

growing at an average annual rate of 17%

between 2008 and 2012.

Some estimates predict a future growth

rate as high as 20% and this pace is

increasing the demand for a competent

pool of human capital for the industry.

But how are we defining ‘Human Capital’?

Is Human Capital only defined as an ‘Islamic Banking Practitioners’?

“Islamic Finance industry will need 50,000 new

graduates to support the industry in

the next decade”

+Islamic Finance as part of a broaderEco-System Islamic Finance industry is part of a larger eco-

system.

Human capital is only one part of that Eco-

system.

Shariah Scholars, Educators, Investors,

Consumers, Islamic Bankers, Sales and

Marketing Professionals, Legal Experts,

Executives, Regulators, Entrepreneurs and

more.

Islamic Finance needs Human Capital for the

whole of the Eco-System and not just ‘Islamic

Banking Professionals’

Eco-system

Shariah Scholars Islamic Bankers

Investors

Consumers

Sales & Marketing Professionals

Legal Experts

Executive Leaderships

Regulators

Entrepreneurs

+Guidance Initiatives in Education

With over 740 institutions* in the

world involved in educating and

training Islamic Finance

professionals, there is still a gap.

Not all of them follow the guidelines of

AAOIFI’s Shariah Standards when

formulating training curriculum?

Their focus is very limited in the face of

the holistic Human Capital need. *Image: American Islamic Finance Project, sponsored by Guidance; training delivered by Ethica Institute of Islamic Finance

+Guidance Initiatives in Education

*Image: American Islamic Finance Project, training delivered by Ethica Institute of Islamic Finance

Guidance, in collaboration with Ethica Institute of Islamic Finance, and ISNA, conducted an educational training program to raise awareness about Islamic Finance

+Guidance Initiatives in Education Project

Guidance Funded a 3 day Training Program On Islamic Finance for American Imams

+Guidance Initiatives in Education

The event was hosted on the Zytuna College campus in Berkley California

+Why Guidance Chose Ethica?Authenticity in Knowledge

AAOIFI: http://www.aaoifi.com/en/about-aaoifi/sharia-standards-board/ssb-committees/

+The Other Missing Links

Educational programs will need to provide experience that helps professionals gain mastery on the knowledge.

The knowledge needs to be expressed through excellent communication skills. Without effective business and communication skill, knowledge cannot be implemented for practical purposes.

Competency = Mastery of Knowledge + Professional Skills (Business & Communication) + Creative Thinking

+The Solution

To gain mastery in knowledge and to demonstrate practical application & new innovative solutions for consumers, educational system needs to combine: