African Interest-Free Banking & Finance Forum

1. “ Africa is a new destination for Interest-Free Finance “ CIBE - UAE African Interest-Free Banking & Finance Forum 6 February, 2019 - Addis Ababa, Ethiopia th Post Event Workshop Interest-Free Banking & Finance, Insurance & Microfinance 7 -8 February, 2019 at Addis Ababa, Ethiopia th th www.alhudacibe.com/ethiopia2019

2. “ Africa is a new destination for Interest-Free Finance “ About AlHuda Centre of Islamic Banking & Economics Towards the pursuance of our goal to promote interest-free Banking and Finance all over the globe, AlHuda Centre of Islamic Banking and Economics is working diligently since its existence 13years ago. AlHuda CIBE has been acknowledged as a distinguished service provider due to our notable services, team of dedicated professionals and one stop solutions of interest-freeBanking and Finance. Our aim is to provide state-of-the-art services of interest-free banking and finance. We are proud to be prominent for our Advisory and consultancy, research and development, education and capacity building, Shariah advisory, publication and events all over the world. AlHuda CIBE is supported by many national and international organizations and institutions as Strategic Partners support and our Alumni have spread over 70countries. We are proud to stand among world's largest presences for capacity building, trainings, consultancy and other services. More details are available at www.alhudacibe.com About Interest-Free Banking and Finance in Africa Africa is the world’s second largest and most popular continent after Asia. With 1.0 billion people, it accounts for about 14.72% of the world’s human population. According to the World Book Encyclopedia, Islam is largest religion in Africa, followed by Christianity. The region has significant potential as it is home to more than 413 million Muslims and the interest-free finance industry in Africa is rather untapped. Interest-free banking and their products are likely to be most popular in the parts of Africa comprising the highest concentration of Muslims such as North Africa, large part of West Africa and down the eastern seaboard. Interest-free banking is also expected to become attractive in countries with significant population of Muslim business persons such as in South Africa. Moving forward, expansion of interest-free banking and finance industry in Africa is expected to bring the favorable turns in trade progress and business interactions with the Middle East. Interest-free banking and finance can potentially play a part in facilitating more trade opportunities between Africa, Middle East and rest of the world with the involvement of more global and interest-free banks of both regions. The aim of this forum is to explore the untapped market of Africa and to adopt the latest trends, challenges and opportunities in interest-free banking and finance industry in Africa. This conference will provide you with practical insights into: • Global efforts and achievements in interest-free Banking and Takaful • This effective platform will demonstrate the flexibility of interest-free financial markets during the current financial crisis.

3. Africa is a new destination Interest-Free Finance for Interest-Free Finance

4. “ Africa is a new destination for Interest-Free Finance “ African Interest-Free Banking & Finance Forum 6th February, 2019 at, Addis Ababa, Ethiopia Event Agenda Introduction to Interest-Free Banking and Finance • Historical Developments and Global Trends of interest-free Banking and Finance • Introduction to interest-free Financial Products • Regulatory Framework of interest-free Banking and Finance in Africa • interest-freeBanking & Finance in Africa – Emerging Opportunity Interest-Free Finance and Financial Inclusion • How interest-free finance helps financial inclusion • Policy and strategy development for financial inclusion through interest-free banking • Financial inclusion and poverty alleviation • Current trends in Shariah compliant financial inclusion Takaful (Interest-Free Insurance) • Takaful (interest-freeInsurance) and Takaful Models • How Takaful industry can facilitate interest-freefinancial industry in Africa • Innovative products of general &family Takaful • Vastly growing trends of Takaful Industry in Africa • Takaful management system Investment Opportunities in Africa and Ethiopia • Investment opportunities on interest-free banking and Takaful in Africa • Emerging trends of interest-free banking and finance in Africa • How Ethiopia can play a vital role for the development of interest-free banking and financial sector in Africa • Creation of Shariah compliant investment avenues in Ethiopia Sukuk, Interest-Free Bond & Interest-Free Capital Market • Introduction of Sukuk • How Sukuk can facilitate Ethiopian government for country development • Asset based financing: A complete risk free solutions for International crises • Structuring of Shariah compliant fund

5. “ Africa is a new destination for Interest-Free Finance “ Post Event Workshop on Interest-Free Banking & Finance, Insurance & Microfinance 7th-8th February, 2019 at Addis Ababa, Ethiopia Day One • Sharia’h alternative of Conventional Leasing - Ijarah. • Ijarah (Operating Lease) vs. conventional leasing (Financial Leasing) • Legal framework & documentations for ijarah products • Basic feature of Ijarah contract & Its Operational Mechanism A Glance on Interest-Free Finance • Riba (Interest) and Prohibition of Riba • Types of Riba • Economics Rationale for Prohibition of Riba • Deference between interest-free banking & finance and conventional banking & finance Partnership Based Mode of interest-free Banking & Finance (Mudarabah & Musharakah) Mudarabah • The basic rules and Features of Mudarabah • Distribution of Profit & Loss in Mudarabah Musharakah • The basic rules and Features of Musharakah • Distribution of Profit & Loss in Musharakah Diminishing Musharakah • Determine the Rental in Diminishing Musharakah • Unit Sale mechanism in Diminishing Musharakah • Diminishing Musharakah as Ideal product for Interest-Free Housing Finance. Day Two Sukuk (Interest-Free Bond) • Introduction of Sukuk • Structuring and Operation of Sukuk • Advantages of Sukuk for Issuer and Investors Interest-Free Microfinance at Glance • Interest-freeMicrofinance as effective tool of poverty alleviation • Interest-freeMicrofinancial Products mechanisms & Compatibility with Conventional Microfinance Products • Introduction & Historical Background of Takaful • Definition & Fundamental Principles • Difference in concept & contract • Reference in first constitution of Madina Trade Based Mode of interest-free Banking & Finance (Murabahah, Musawamah, Salam & Istisna) Murabahah • Basic Features of Murabahah • Murabahah as financing mode • Stages involve in Murabaha Transaction. • Shariah compliance & legal documentation of Murabaha contract. • Murabahah in International Trade. • Practical aspects & issues of Murabahah Salam & Istisna • Basics of Bai Istisna & Bai Istisna • Difference between Salam & Istisna • Practical implementation of Salam & Istisna. Recent Development in Takaful (Interest-Free Insurance) Industry • Evolution during the seventies • Judicial opinions and Fatwas • Formation of first Takaful companies • Developments in the World Takaful Models • The Mudaraba Model • The Wakala Model • The Waqaf Wakala Model • Investment Models Rental Based Modes of interest-free Banking & Finance (Ijarah) • Introduction and Brief Perspective of Ijarah.

6. “ Africa is a new destination for Interest-Free Finance “ Event Summary Africa needs to keep an eye on the potential of Islamic Banking & Finance and what value it can bring to the current system of IB&F. Investing in IB&F leads to have greater foreign investment which could result an enhanced global connectivity, improved job creation, socio-economic development and poverty alleviation. Islamic Banking & Takaful conference aims to provide an excellent opportunity for the inhabitants of African countries and rest of the world to develop stronger knowledge of Islamic banking and finance procedures that will create genuine global opportunities for the long term development of this growing and increasingly transcending Islamic financial sector. This high profile event will provide you with practical insights into: Ÿ Recognizing significant developments in Islamic financial infrastructure of Africa Ÿ Linkages of African Islamic finance industry with International financial market Ÿ Demonstration of the flexibility of Islamic financial markets during the recent financial crisis Ÿ Share the best practices of International Islamic Banking market with African Islamic finance industry Ÿ How Islamic banks and financial institutions are optimizing their performance & managing to tide over the current market situation Ÿ Assessing innovations in Islamic financial markets through the growth of newly developed research based products Ÿ Latest developments & future trends within the Islamic Financial Services Industry

7. “ Africa is a new destination for Interest-Free Finance “ Key Objective of Conference • Promote the Awareness of interest-free banking and Finance • Recognize the interest-free banking and Finance as sustainable financial solution for West Africa • A milestone of strengthening Ethiopia interest-free Banking and Finance Industry • Explore the potentials of interest-free banking and finance • Attracting International business players, investors and financials to benefit business growth of the region • Attract Foreign Direct Investment (FDI) in interest-free banking and finance industry • A platform to discover best successful international and local practices • Learn winning strategies from the experts of the forefront of the interest-free industry Benefits of Attending • A platform to discover best successful international and local practices. • Chance to explore new horizon of interest-free Banking. • Enhance your understanding of the complexities of interest-free products’ structure and how it can leverage to add to your portfolio. • Provides a guarantee that your organization is ideally positioned to meet challenges and to capitalize the opportunities. • Ensure the sustainable growth of your institution in the future. • Learn winning strategies from the experts of the forefront of the interest-free financial industry. Who Should Attend? • Heads, Managing Directors and CEOs of commercial and interest-free banks and interest-free financial institutions • Retail, Corporate, SME and Treasury Bankers • Business Development Managers • Heads of Research and Development • Financial Consultants • Unit Trust Agents and Insurance/Takaful Agents • Brokers of bonds and Sukuk • Fund Managers and Selectors • Government Officials and Representatives • Financial Consultants and Advisors • Economists and Policy Makers • Stock Brokers and Shareholders • Financial Market Regulators • Business Analysts and Business • Development Managers • Financial Controllers and Account Managers • Academia and Researchers • Media

8. Registration Form Please complete and return by e-mail, regular mail or fax. Please note that the name and title you give here will be printed on participants’ list and on certificates. Participant Information Title: Prof. Dr. Mr. Ms. Mrs. Other Full Name: Designation Organization: Address: Postal/Zip code: City Country Telephone: Cell Fax Email (Official) Email (Personal) Event you wish to join (Summit / Workshop) Summit Fee Summit fee include admission to conference sessions, tea/coffee, lunch, registration materials and Certificate. Event Name African Interest-Free Banking & Finance Forum Participation Fee 295 USD (1 Day) 6th February, 2019 at Addis Ababa, Ethiopia Post Event Workshop on Interest-Free Banking & Finance, Insurance and Microfinance 7th-8th February, 2019 at Addis Ababa, Ethiopia African Interest-Free Banking & Finance Forum and Post Event Workshop on Interest-Free Banking & Finance, Insurance and Microfinance (6th - 8th December, 2019 - Addis Ababa, Ethiopia) 495 USD (2 Days) 695 USD (3 Days) Discount Policy v?Five or more delegates from the same organization - 20% Discount v?Early Bird Discount till 30 days before the event - 20% Discount v?From the above only one discount option can be availed at a time Account details form Payment Account details for Payment You can proceed your fee by cheque or demand draft in favour of AlHuda CIBE or you can also transfer your fee online/wire transfer. Banks detail is as under: Additional Instructions vPayment Information: Registration forms must be accompanied by full payment in order to be processed. vFull payment is due on registration vConfirmation: Please allow 3 days for e-mail confirmation of your registration. vCancellation Policy: AlHuda CIBE do not have any cancelation policy once registration finalized, meanwhile, alternative can be nominated. Bank Name: Account Title: AED A/C No: IBAN : Swift Code: Emirates Islamic Bank, Dubai, U.A.E ALHUDA CIBE FZ LLE 370-73859877-01 AE59 0340 0037 0738 5987 701 MEBLAEAD ** Please state the conference name and the full name of the participant on the reverse of the chaque. By sending in this registration form, I acknowledge that I commit myself to the immediate payment of the full workshop fee. I have taken notice of the cancellation terms on this form. Return address: AlHuda CIBE FZ LLE - U.A.E (Advisory, Consulting & Capacity Building) P.O. Box. 120867, Dubai - U.A.E Ph: +971 56 928 6664 E-mail: info@alhudacibe.com Web: www.alhudacibe.com Date: ___________ Signature: ____________________________

9. CENTRE OF ISLAMIC BANKING & ECONOMICS AlHuda CIBE FZ LLE - U.A.E (Advisory, Consulting & Capacity Building) P.O. Box. 120867, Dubai - United Arab Emirates. Ph: +971 56 928 6664 Fax: +971 4818 7280 AlHuda CIBE - Pakistan 98A Sunflower Society, J1 Johar Town, Lahore - Pakistan Ph: +92 42 359 130 96 – 98 Fax: +92 42 353 030 96 E-mail: info@alhudacibe.com Web: www.alhudacibe.com