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Revolving fund program is one means of improving the welfare of poor women's income through income families. Through this program expected economic activity in a region will increase as we get their income level, because that's not obtain financing for consumer activity, but must be used for working capital. In conducting its activities using a Partners Dhu'afa basic principles of Microfinance Institutions to adopt from the experiences of Microfinance Institutions in the world in this case the Grameen Bank.
The vision and mission is Dhu'afa Partners: Vision: Growing Partner activator Dhu'afa as microfinance institutions women micro entrepreneurs sustainable professional. Mission: Partners Menjadiikan financial institutions Dhu'afa as women's economic drivers micro entrepreneurs through venture capital services, training and pandampingan. Requirements for membership:
1. Female
2. Poor
3. Adjacent residential
4. Honest Dhu'afa Partner Program is not implemented on the basis of charity (donation).
The way it will not help and motivate them to be independent, otherwise can aggravate their economic condition, because it always depends on help from others. For that, Dhu'afa Partner program is not a project or a short moment, but it is an ongoing program, continuously, to bring members to have a business that developed, independent and resilient. In Standard Operating and Procedures (SOP), the system is used Grameen Grameen system with Islamic patterns, in hopes of providing their own benefit and for the implementation of the color of a revolving fund programs that many do today.
The material and content of SOPs will be reviewed, to anticipate the development of programs implemented and adjust to the environment in which prospective members are Dhu'afa Partners.
• POLA Grameen SHARIA financing system adopted by Dhu'afa Partners, including:
1. Targeting and recruitment systems and the implementation of the operational use of Grameen Bank approach.
2. Akad use Islamic finance.
• Targetting is a member of the selection process.
• Members of the public who obtain financing from the Partners in accordance Dhu'afa specified criteria.
• Funding is the provision of money or that can be equated with that, based on the approval or agreement between the partners Dhu'afa with members who require the party to return the money paid after a certain period of time.
• Covenant of the Partner-akad akad Dhu'afa is agreed in the financing agreement of both buying and selling akad installments, profit-sharing, rental, service and financing virtues (charity).
• Public Meetings (PU) is a public meeting at the location / village to conduct socialization revolving fund financing programs dhu'afa Partners.
• Establishment Group (PK) is an inventory and ensure that prospective members in accordance with the criteria and regulatory agencies.
• Feasibility Test (UK) is an activity to determine socio-economic conditions of the prospective members, which include: the condition of homes, businesses, means of production and cash flow. • Pre-preparation activities LWK is prior to compulsory collection exercise in order to explain the rules for compulsory collection exercise carried out.
• Compulsory Training Collection (LWK) is a training program to provide an overview and understanding to prospective members about the principles, objectives, functions of financing programs, systems and procedures, rights, obligations and responsibilities of members.
• The Field (PL) is a co-financing or the manager on duty to assistance for the members of Partners in School Dhu'afa / LWK, Weekly Meetings, field trips, business feasibility analysis, addressing the complaints of members, evaluate and provide solutions.
• Sale and Purchase is a covenant made between the members Dhu'afa Partner.
• The margin is the excess received from the Partner Dhu'afa sale, to have rotated back to members in need.
• Business Benefits (KU) is a member of the business net income |
