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

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

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Capital Guidance
Guidance Financial Group
Guidance
Residential
International
Housing Finance
Guidance
Investments
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Capital Guidance is a 45-year old, privately-held multinational investment group
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Offices in Washington DC, Paris, Geneva, Beirut and Riyadh
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1,500 employees throughout North America, Europe, the Middle East and Asia
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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

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

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Guidance Residential (the Company) is a USbased residential finance firm focused on providing
Participatory Home Financing (Declining Balance
Co-Ownership Program) in the US
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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
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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

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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
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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
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Insight into investor sentiment and goals
An essential input into the product development process

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Malaysia
Saudi Arabia
U.A.E.
Bahrain
Kuwait
UK
Singapore
Qatar
Indonesia
Pakistan
Brunei
Oman
Lebanon
Investor Network by Country
SEAsia

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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”

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Islamic Finance industry is part of a larger ecosystem.
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
Entrepreneurs
Regulators
Executive
Leaderships
Islamic Bankers
Eco-system
Investors
Consumers
Sales & Marketing
Professionals
Legal Experts

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With over 740 institutions* in the world involved in educating and training Islamic
Finance professionals, there is still a gap.
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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

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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

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Guidance Funded a 3 day Training Program
On Islamic Finance for
American Imams

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The event was hosted on the
Zytuna College campus in
Berkley California

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AAOIFI: http://www.aaoifi.com/en/about-aaoifi/sharia-standards-board/ssb-committees/

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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.

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