The day started with a lecture program of Mr. Najmul Hassan (Assistant Professor) NIILM-Centre for management studies Dehli Fareedabad India, on Islamic Microfinance.
Mr. Hassan said that, the concept of Islamic microfinance emerged in late 1990 after Islamic banking system across Islamic countries of south Asia.
Religion influences on development, hence all the bankers thought to have complete economic code of Islamic microfinance to support the Muslim marginalized communities.
Mr. Hassan, quoted the example of village banking in Seria which happened to be the successful model, whereas in Yaman this concept couldn’t work, because in microfinance, an idea of giving back the credit money (capital) with an agreed interest is an illegitimate/Haram in Islam.
In India there are some examples of microfinance that has helped some people to upgrade the cooperative standards i.e Amul dairy products is one of the tangible instances.
In charity, the recipient of (Khairat) never thinks that the money received by him/her is non returnable, as it is legitimate in Islam for certain poor class. While Zakat can be given to those even if they are not Muslims.
In Iran an example of Karze Hasna is some thing that can be taken by some one who deserves and registered recipient with bank.
Mr. Hassan clarified that Ulmas the (Scholars) of Islam are seriously thinking about the microfinance structure and its very basic concept of helping poor, however risk analysis in this concept is very important before disbursing microfinance.
After tea break the other session was facilitated by Dr. Alka Srivastava (Micro Finance consultant), She is the one who has worked very hard to organize women groups in Andhra Pardesh, in which some (Women Empowerment Models) can be the example for other countries too; as some women groups launched quite wonderful and effective wine quit movements for their male counter parts and they succeed it. In some villages where teachers were not coming to attend schools, these women groups helped support the process of participation and had some meaningful protests for the restoration of closed schools and finally the Government people in power accepted their concerns and transferred the teachers to those schools where the teacher was desperately needed. Dr. Srivastava, firmly believes that until unless civil society is not going to help the Government in the process of fact finding and issue identification, we as nation can’t achieve our stipulated results for the holistic development process of any country in the world.
She emphasized on the fair and transparent process of credit disbursement so that, from the day one community should start thinking that the money they get is not meant for charity purpose but this is some thing through which an idea of earning and enterprise is achieved meticulously. Dr. Srivastava, shared her experiences of life that there is a huge difference in consumption and production characteristics hence one has to catalyze the whole idea of enterprise development, so as to achieve an ultimate social empowerment of women through micro finance practicalities as this is one of the tools for social empowerment of women who are deep rooted in society.
The second half of the day was planned to visit Jamia Masjid Delhi where all the males had to perform Juma prayers and to eat food at Al Karim Hotel near by Jamia Masjid.
The Masjid-i Jahān-Numā (Persian: مسجد جھان نما, the 'World-reflecting Mosque'), commonly known as the Jama Masjid of Delhi, is the principal mosque of Old Delhi in India. Commissioned by the Mughal Emperor Shah Jahan, builder of the Taj Mahal, and completed in the year 1656 AD, it is the largest and best-known mosque in India. It lies at the origin of a very busy central street of Old Delhi, Chandni Chowk.
The later name, Jama Masjid, is a reference to the weekly Friday noon congregation prayers of Muslims, Jummah, which are usually done at a mosque, the "congregational mosque" or "jāmi' masjid". The courtyard of the mosque can hold up to twenty-five thousand worshippers. The mosque also houses several relics in a closet in the north gate, including an antique copy of the Qur'an written on deer skin.
Having visited and performed Namaz, we in team of four people Mr. Shafqat Chaudhary, Mr. Mohsin, Mr. Arshad and I, left for another historical place of worship by Sikhs since last many centuries known as GURUDWARA SISGANG which is hardly 2 kilometres away from Jamia Majid. This is place where one can imagine a religious unity and strength of Sikhs.
So by that way the day ended up with great learning, joy and fun by all the team members.
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