Jordan Ahli Bank Unlocking the SME Industry’s Powerful Potential€¦ · Jordan Ahli Bank...
Transcript of Jordan Ahli Bank Unlocking the SME Industry’s Powerful Potential€¦ · Jordan Ahli Bank...
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Jordan Ahli BankUnlocking the SME Industry’s Powerful PotentialPresented by:Saad N. Mouasher, Senior Deputy CEO
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Fact 1: The SME Credit GapSource: McKinsey & Company
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Fact 2
Corporate93%
MSME7%
% of total loans
Corporate30%
MSME70%
% contribution to employment
Source: Jordan Chamber of Commerce
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Fact 3
75 MILLION NEW JOBSBY 2020
Source: IMF
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Silver bullet for job creation?
Job
Creation
SME
Finance
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Fundamental Differences
Large Corporates SMEs
Few Many
High Complexity Low Complexity
Independent Require Support
Financials No Financials
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Regulatory/Supervisory Initiatives
Financial Inclusion Regulations
Regulatory Frameworks for Alternative SME Finance Products
Credit Bureaus
Improve & Grow Payment Systems
Bankruptcy framework
Equity Investment (VC, Private Equity, Growth Funds)
Simplified Financial Reporting Standards for SMEs
Credit Guarantee Schemes
SME Finance Policy GuideSource: IFC
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Jordan Ahli BankSME Value Proposition
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Segmentation
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SME Business Centers
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SME Business Centers
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12!
Standardized, SME Products
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Standardized, SME Products
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Standardized, SME Products
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Standardized, SME Products
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• Credit Guarantee Programs: historically, most effective way to encourage SME lending in emerging economies.
• OPIC program guarantees loans of maximum JD 750,000.
• 60% Loan Guarantee for Amman based businesses, 75% Guarantee for non-Amman based businesses.
• Even startups qualify pending business plan acceptance by OPIC team.
Credit Guarantee Program
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Access to Finance for Women
Female Labor Force Participation Rates
15%of SME loans go to
Female Entrepreneurs
8%
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Non-Financial Services
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SME Academy
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SME Academy
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SME Toolkit
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Jordan’s Preeminent SME Portal
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Jordan’s 1st Digital Magazine for SMEs
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Business Support Services (Cloud)