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
Fact 1: The SME Credit GapSource: McKinsey & Company
Fact 2
Corporate93%
MSME7%
% of total loans
Corporate30%
MSME70%
% contribution to employment
Source: Jordan Chamber of Commerce
Fact 3
75 MILLION NEW JOBSBY 2020
Source: IMF
Silver bullet for job creation?
Job
Creation
SME
Finance
Fundamental Differences
Large Corporates SMEs
Few Many
High Complexity Low Complexity
Independent Require Support
Financials No Financials
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
Jordan Ahli BankSME Value Proposition
Segmentation
SME Business Centers
!
SME Business Centers
12!
Standardized, SME Products
13
!
Standardized, SME Products
14
!
Standardized, SME Products
15!
Standardized, SME Products
• 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
Access to Finance for Women
Female Labor Force Participation Rates
15%of SME loans go to
Female Entrepreneurs
8%
Non-Financial Services
SME Academy
20
SME Academy
SME Toolkit
22
Jordan’s Preeminent SME Portal
23
Jordan’s 1st Digital Magazine for SMEs
24
Business Support Services (Cloud)
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