1. Guidance Financial Group Guidance Residential
Leadership in Participatory
Home Finance
Declining Balance Co-Ownership Program

2. Introduction About Us Unique Islamic Home Finance Platform
Extensive Group Resources and Expertise

3. About Us Capital Guidance Guidance Financial Group Guidance
Residential
International Housing Finance
Guidance Investments
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

4. Established International Footprint
Guidance Financial Group has offices in the primary centers of Islamic finance
Paris
Geneva
Beirut
Riyadh
Washington DC
Kuala Lumpur

5. 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

6. 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

7. Guidance Investments/ Guidance Financial Group

8. 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”

9. Islamic Finance as part of a broader Eco-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’
Shariah Scholars
Islamic Bankers
Entrepreneurs
Investors
Regulators
Eco-system
Consumers
Executive
Leaderships
Sales & Marketing
Professionals
Legal Experts

10. 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

11. Guidance Initiatives in Education
Guidance, in collaboration with Ethica Institute of Islamic Finance, and ISNA, conducted an educational training program to raise awareness about Islamic Finance
*Image: American Islamic Finance Project, training delivered by Ethica Institute of Islamic Finance

12. Guidance Initiatives in Education Project
Guidance Funded a 3 day Training Program On Islamic Finance for American Imams

13. Guidance Initiatives in Education
The event was hosted on the Zytuna College campus in Berkley California

14. Why Guidance Chose Ethica? Authenticity in Knowledge
AAOIFI:

15. The Other Missing Links
Competency = Mastery of Knowledge + Professional Skills
(Business & Communication) + Creative Thinking
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.

16. The Solution
To gain mastery in knowledge and to demonstrate practical application & new innovative solutions for consumers, educational system needs to combine: