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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: