1st day, Thursday 12th

December 2019

08.00-09.00 Registration

09:15-10:00

Recitation of Verses from Al Qur’an Welcome and Opening Remarks: Mr. Omar HALLI (President of Ibn Zohr University, Agadir) Mr. Mohamed Hicham HAMRI (Director of ENCG- Ibn Zohr University, Agadir) Mr. Brahim HAFIDI - President of the Souss Massa Region Mr. Salah EL MALOUKI - President of the Urban Commune of Agadir Mr. Mohammad AL-SUHAIBANI, International Center of Islamic Economy

Mr. Said BOUHERAOUA, Director of Research Development & Innovation Department, ISRA-Malaysia Mr. Abdulbari MISHEAL, Managing partner of RAQABA Company for Islamic Finance Consultations-U.S.A Mr. Omar EL KETTANI, Representative of the Honor Committee, Islamic Economics Expert Mr. Mohamed Cherif EL AMRI, Istanbul Sabahattin Zaim University Mr. Ahmed CHAKIR (President of Organizing committee, ENCG of Agadir) Partnership and projects: Launch of Social FinTech Lab project Launch of ISRA-Corner

10:00-10:30 Tea Break & Networking

10:30-12:00

PLENARY SESSION 1: ISLAMIC SOCIAL FINANCE’S DEVELOPMENT MODEL:REALITY AND PROSPECTS

Moderator: Prof. Dr. Azman bin MOHD NOOR, Professor at IIUM and Shariah board member of Bank Kerjasama Rakyat Malaysia Berhad

Social financing and development model in Morocco: between reality and perspectives Prof.Dr. Omar EL KETTANI, Islamic Economics Expert, Mohamed V University, Morocco.

Islamic Social Finance and Malaysian Shared Prosperity Vision 2030: Analytical study

Prof. Dr. Said BOUHERAOUA, Director of Research Development & Innovation Department, ISRA-

Malaysia

Social Investment Market Ecosystem Prof. Dr.Mohammad Ibrahim AL-SUHAIBANI, Imam Muhammad bin Saud Islamic University

Sudanese experience in reducing the risks of financing traditional agriculture

Mrs.Asmaa ELRAHMAN KHAIRI, General Manager Microfinance Unit, Central Bank of Sudan

Experience of Souss Massa Initiative in benevolent loans projects’ funding

Mr. Mohamed EL MOUDEN, President of Souss Massa Initiative Association and vice president of Chamber of Commerce, Industry and Services

12:00-13:30

PLENARY SESSION 2 :SOCIAL DIMENSIONS OF ISLAMIC FINANCE: FIQH AND MAQASSID VIEWS

Moderator: Prof. Dr.Youssef AL ZAMIL, International Center of Islamic Economy, Dubai, U.A.E

Transition to Impact Investing based on Maqased al-Shariah Dr.Abdulbari MISHEAL, Managing partner of RAQABA Company for Islamic Finance Consultations-U.S.A

Islamic finance between social and economic purposes : a shariah perspective

Prof.Dr Mohamed KARRAT, Professor of Fiqh Al Mouamalat at Al Qaraouiyine University, consultant at Al Maali Institute and financial institutions-Morocco.

Sustainable Financial inclusion: A Fiqh Analysis of Waqf–Based Microfinance schemes

Dr Said Adekunle MIKAIL, Mahadi AHMAD; International Shariah Research Academy for Islamic finance

The Development dimension of Islamic Microfinance: Illumination experience of Local Villages in Eastern Sennar (Sudan) Mr.Abdalla Ali Mohamed BABIKER, Central bank of Sudan

13:30-15:00 Lunch & Dhuhr Prayer

15:00-16:30 Parallel oral Sessions (1. Arabic, 2. English and 3. French)

16:30-17:00 Tea Break & Networking

Posters session

17:00-18:30 Parallel oral Sessions (4.Arabic, 5.English 6. Arabic)

2nd Day, Friday 13th December

2019

08:30-11:00

PLENARY SESSION 3: 1st National Symposium of Islamic Finance (NaSIF): The Participatory finance ecosystem in Morocco: Challenges and prospects in the age of digitization Moderator: Prof. Dr. Ahmed CHAKIR, Professor of Islamic Finance at ENCG-Ibn Zohr University Agadir and Head of Organizing Committee of CIFEMA.

Prof. Dr. Omar EL KETTANI, Islamic Economics Expert, Mohamed V University, Morocco. Dr. Abdulbari MISHEAL, Managing partner of RAQABA Company for Islamic Finance Consultations-

U.S.A

Prof. Dr. Mohamed KARRAT, Professor of Fiqh Al Mouamalat at Al Qaraouiyine University, consultant at Al Maali Institute and financial institutions-Morocco

Mr. Mohamed MAAROUF, General Manager of BTI Bank, Morocco Mr. Abdelaziz ELOUADRHIRI, Director of development at Bank Al Yousr, Casablanca, Morocco

11:00-11:15 Tea Break & Networking

11:15-13:15

PLENARY SESSION 4: FINTECH AND DEVELOPMENT OF ISLAMIC SOCIAL FINANCE PRODUCTS

Moderator: Prof. Dr.Buerhan SAITI, Professor at Sabattin Zaaim Istanbul University-Turkey

Malaysian Islamic banks contribution on social financing through Waqf Prof. Dr. Azman bin MOHD NOOR, Shariah Committee Member Bank Kerjasama Rakyat Malaysia Berhad

Edu Waqf Models from Selected Muslim Countries: Lessons from Best Practices

Dr. Mohamed Chefir EL AMRI, Assistant Professor at Istanbul Sabahattin Zaim-Turkey

Blockchain technology as an opportunity for Takaful industry Mr. Adil ZARFI, London School of Modern Studies

The Emergence of WealthTech – An Opportunity for Islamic Banking? Dr. Richard-Marc LACASSE, Berthe LAMBERT, UQAR Canada

Islamic Financial Inclusion in the industrial revolution era: Malaysia, Indonesia Dr. Fakiha AZAHARI, Director Middle East Investment Bank and Muamalat Invest Snd Bhd

13:15-15:00 Friday prayer & lunch

15:00–16:30 Parallel Scientific sessions (7-Arabic, 8-Arabic, 9- French)

16:30-17:00 Tea break &Asr prayer

17:00-18:00 Closing of the 7th edition of the CIFEMA

Saturday 14th and Sunday

15th December

2019

00:00-10:30 Training session: Technical Raqaba, Governance and Shari’ah audit in Islamic Banking, by Dr. Abdulbari MISHEAL, Managing partner of RAQABA Company for Islamic Finance Consultations-U.S.A

Oral parallel scientific sessions 1-3th Thursday, December 12th, 2019

15:00-16:30

Session I (Arabic):

Islamic Social Finance: Regulation, Governance and Modern

Jurisprudence

Room Name: IBN BATTUTA

Session Chair:

Prof. Dr. Mohamed KARRAT

Imitation, Reality, Controls and Social Implications: A jurisprudential Study Abdullah Al-ROUMIH, AL Qassim University, KSA

Cooperative Lending Associations: A Jurisprudential Study Fahd Bin Saleh Al HAMOUD, AL Qassim University, KSA

Sharia Audit and the importance of activating it on Islamic social finance products Hamza OUASSAA, Maiza MESSOUD AMIR, Setif University-Algeria

Economic Empowerment: Study in linguistic and legal references, and contemporary concept Abdulmajid OBAID HASANSALEH, International Islamic University Malaysia

The development of Takaful insurance in the light of contemporary jurisprudence Fatima Ezzahra MUDARRIR, Ibn Zohr University, Agadir Morocco

The social dimension of zakat spending: the impact of zakat on work incentive. Mohammad Ibrahim AL-SUHAIBANI, Imam Muhammad bin Saud Islamic University-KSA

Securitisation and its relation with Credit Card: Analytic and Shariatic study Taoufik EL AMRANI, AbdulmajidAbid HASSAN SALEH, International Islamic University Malaysia

Session II(English): Islamic Finance Institutions:

Organization and Contribution on inclusive development

Room Name: IBN KHALDOUN

Session Chair:

Prof. Dr. Said BOUHERAOUA

Factors affecting Islamic Banking Adoption: Evidence from North Africa Hind LEBDAOUI, Al Akhawayn University-Morocco

The Role of Prof.it Rate in Islamic Monetary Policy for Economic Justice Trisiladi SUPRIJANTO, Ibn Khaldun University-Indonesia

The Role of Islamic Finance in Reducing the Effects of Financial Crisis Buerhan SAITI, Ruslan NAGAYEV; Istanbul Sabahattin Zaim University- Turkey

Renewable Energy Communities: An Alternative Electricity Generation Financing via Regional Public-Private Partnership in Morocco

Nurullah TIRMAN; Istanbul Sabahattin Zaim University- Turkey

Reducing over-indebtedness through crowd buying and Islamic finance Abdelmajid HMAITTANE, Mohamed Hamza GHAOURI; ENCGA Ibn Zohr University

Interest free financing models for micro-enterprise development: case study of selected institutions in Malaysia, Indonesia and Pakistan Hinde ADJAR, Ahmed CHAKIR, Lahcen EL MESKINE; Ibn Zohr University, Agadir-Morocco

Session III(French): Islamic Social Finance and financial

inclusion

Room Name:

ELMOKHTAR SOUSSI

Session Chair: Prof. Dr. Lahcen EL MESKINE

Participating contracts and social interactions, a new financing approach: theoretical perspective Sara FELLAH, Aziz BENSBAHOU; Ibn Toufail University, Kenitra-Morocco

Islamic Crowdfunding: an alternative tool for Financing Social Entrepreneurship in Morocco Amina LAMINOU, Ahmed CHAKIR; ENCGA, Ibn Zohr Unversity, Agadir-Maorocco

Financial inclusion of women in difficulty in Morocco: The micro-credit approach: Exploratory analysis Abdallah SADIK, Abdelkader EL MOUTAOUKIL,Aomar IBOURK; ENCGA Ibn Zohr University, Agadir-Morocco

What contribution of Zakat to the new Moroccan model of development? HoudaCHALABI, AzizMOUTAHADDIB; Ibn Tofail University, Kenitra-Morocco

Islamic Financial Innovation: A solution for financial inclusion in Morocco? Majdouline BENNAGEM TOUATI, Amina HAOUDI; Mohamed Ben Abdellah University ,Fes-Morocco

Oral parallel scientific sessions 4-6th Friday, December 12th, 2019

17:00-18:30

Session IV(Arabic): The role of Waqf and Zakat in achievement of Sustainable

Development Goals

Room Name: IBN BATTUTA

Session Chair:

Dr. Majid CHAABANI

The role of Waqf in achieving Sustainable Development: Case of Algeria Fatima SAYAH, Relizane University Center-Algeria

Governance and performance of social finance institutions Zakat funds and Waqf Walid Ben Abdelouahed ENNOUH, Adil HASSAN, Tamteen Center for Studies and Research-KSA

Characteristics, values and objectives of Islamic Social Finance for sustainable development Nabil BENJELLOUN JBINA, Mohamed V University, Rabat-Morocco

Islamic Social Finance and its Role in Achieving Development, wakfmodel: Study of international experiences Mouatassim DEHOU, Mohamed Reda BOUCHIKHI, Sadouki GHRISSI; Mascara University-Algeria

Waqf as a funding method for education and health IlyesGHOGGAL, Rima AMRI; Mohamed Khider Biskra-Algeria

The Role of Islamic Finance in Achieving Sustainable Development in Algeria-Al Baraka Bank Case Study AfefLOUMAIZIA, Mohamed KHEMISSI BENREJEM; Mohamed Cherif MESSAADIA;University-Algeria

The role of governance in activating the performance of endowment funds Abdulaziz ben Ahmed Be Sulaymane EL ALIOUI, Al Majmaah University-K.S.A

Session V(English): Economic and social role of Social

Finance

Room Name: IBN KHALDOUN

Session Chair:

Prof. Dr. Abdelmajid HMAITTANE

Exploring the Feasibility of Implementing Productive Waqfon Retail Businesses in Indonesia Muji ASTUTI, Mohamed Cherif EL AMRI, Mustafa Omar Mohammed; Istanbul Sabahattin Zaim University-Turkey

Contemporary Cash Waqf Models Ruslan NAGAYEV, M S Rashed JAHANGIR, Buerhan SAITI; Istanbul Sabahattin Zaim University-Turkey

Performance Management of Zakat Institutions through Balanced Scorecard: A Literature Review FadmaEL MOSAID, ENSA, Ibn Zohr University, Agadir-Morocco

Waqf in the light of SDGs: Issues and the way forward Mohamed CherifEL AMRI, Afaf NASSIRI, Mustafa Omar MOHAMMED; Istanbul Sabahattin Zaim University-Turkey

The Social and Economic Role of the Zakat: The Case study of Oran Fatima SAYAH, Relizane University Center-Algeria

ADVANCED ISLAMIC COMMERCIAL LAW: (IEC 610) Worldview of Waqf and the Way Forward for Islamic Economic Nur Shuhada BINTI ISHAK, Istanbul Sabahattin Zaim University-Turkey

Session VI (Arabic): Innovation and development of

Islamic Finance products

Room Name: ELMOKHTAR SOUSSI

Session Chair:

Prof. Dr. Hassan BELLIHI

The role of Islamic financial engineering in developing the financial products industry - Experience of lease ending in ownership in Jordan Islamic Bank 2007/2016 Seif Eddine TELLI, Tounes AABABSIA, Mohamed MAATALLAH, Rabeh KARECH; University Center of Tamanrasset-Algeria

A Proposal to Invest Waqf Funds Through Philanthropic Venture capital Mohamed Amine BENZOUAI, Oum ELBOUAGHI; University-Algeria

Ijarah muntahia bittamleek : a financial innovation, accounting and tax Advantages, in the service of small entrepreneurs Amor GUIRA; Muhammad Seddik Ben Yahya University, Jijel _ Algeria

The legal regulation of Virtual Currencies: What does it adds? Badreddine BERRAHLIA, Mokhtar BADJI, Annaba university-Algeria

Evaluation of Islamic financial products and the challenges of development and innovation Yahya Yahya Mohcine SAAR; Ibn Toufail University, Kinetra-Morocco/Yemen

The importance of the waqf system in alleviating the social burdens of the public budget: The case of Algeria Ben Daas ZOHAIR, Naremene RAGOUB, Sari ISMAIL; Setif 1 Unversity-Algeria

Oral parallel scientific sessions 7-9th Friday, December 13th, 2019

15:00-16:30

Session VII(Arabic):

Social dimension of Islamic Finance

Room Name: IBN BATTUTA

Session Chair: Prof. Dr. Omar EL KETTANI

The social dimension of zakat spending: the impact of zakat on work incentive Mohammad Ibrahim AL-SUHAIBANI; Imam Muhammad bin Saud Islamic University-KSA

Zakat as a mechanism for financing microenterprises: The case of Biskra Zakats Fund Fatima SAYAH, Relizane University Center-Algeria

The reality of the Zakat Foundation in Algeria in the light of Arab and international experiences: A reading in the most important achievements, the institutional Obstacles, Opportunities and challenges Majid CHAABANI, Ahmed BEKKAY, Yasmine DROUAZI; M’hamed Bougara University-Algeria

Social Responsibility in Islamic Banks Hamdi ELKHARCHI, Ibn Zohr University, Agadir-Morocco

Islamic crowdfunding as a means of Islamic social finance: Pilot experiments for crowdfunding platforms in North Africa Mohamed El Amine Boudkhil, Naima Zermi, Abdelwahab Ben Zaer; Tahri Mohamed Bechar University-Algeria

Session VIII(Arabic):

Innovation in Islamic Social Finance and Sustainable Development

challenges

Room Name:

IBN KHALDOUN

Session Chair: Prof. Dr. Tariq EL FATIMI

Innovation in Islamic social finance services to contribute to sustainable development Ahmed EL IDRISSI; Provincial Directorate of Education, Gerssif-Morocco

Contribution of Islamic social banks to consolidate the parameters of sustainable development Imene RAMADAN, Imene HARMOUCH, Sabri MEKIMEH, 20 Aôut 1955 university, Skikda- Algeria

Contributions of islamics finance formats in supporting the socials sectors Ahmed EL ABADI, Regional Directorate of Education, Marrakech-Morocco

Islamic Social Finance experience in Algeria: Evaluation of performance of Albaraka And Salam Banks during the periode from 2002 to 2017 Sid Ahmed BOUHZEM, Hamlet Ben Achour, Wafae Benaamara; Mascara University-Algeria

The role of the Islamic microfinance industry in promoting financial inclusion: Case study of Amanah Ikhtiar Malaysia Mounira BABAS, Malika BEN ALAKMA, Nabila FALI; Setif 1 University- Algeria

The Role of Islamic Microfinance in Achieving Financial Inclusion Goals Ali DJEKRIF, Fatima HELLOUZ, Wissam CHELLI; Skikda Unversity-Algeria

Session IX(French):

Sustainable Islamic Finance: Reality and prospects

Room Name: ELMOKHTAR SOUSSI

Session Chair:

Prof. Dr. Bouchra RADI

The green Sukuk: Structuring, evaluation and inherent risks Ali KAFOU; Hassan II University, Casablanca-Morocco

Islamic Financial Innovation and its impact on economic development: The case of the "SUKUK" Tarik AMDNAGH, Ibn Tofail University, Kenitra-Morocco

Trial of evaluation of microcredit’s impact on reducing social inequalities in Morocco: exploratory analysis Abdallah SADIK, Abdelkader EL MOUTAOUAKIL, Aomar IBOURK; Ibn Zohr University, Agadir-Morocco

Islamic Microfinance: A Solution to Broaden Financial Inclusion Maroua ZINEELABIDINE, Fadwa NAFSSI, Samia ARRACH; Mohammed V University, Rabat-Morocco

Islamic finance in Morocco: Overview after two years of existence Safae EL MAKROUZ, Aziz MOUTAHADDIB, Tarik AMDNAGH; Ibn Tofail University, Kenitra-Morocco

Cooperative funding as a tool for social inclusion : Case of housing co-operatives in Morocco Mohamed BAKKAR, Ahmed CHAKIR; Ibn Zohr University, Agadir-Morocco

Poster Participation Period Friday, December 13th, 2019

16 :30-17 :00

Arabic

The Role of Islamic Microfinance in Enhancing Financial Inclusion in the Digital Age Zouheyr GHERAIA, Mohamed Khemiss BENREDJEM, Hanane ABDELI;

Microfinance and its role in achieving financial containment between traditional structures and Zakat Fund –case of Algeria- Hamlet BEN ACHOUR, Sid Ahmed BOUHZEM; Mascara University-Algeria

English

Effects of religion on intention to use Islamic Banking products by Moroccan Students Amina DCHIECHE, Najlae ZHANIi; International University of Rabat-Morocco

Prof.it sharing investment accounts: measurement and management of displaced commercial risk Sara RHOUDRI, Ibn Tofail University, Kénitra-Morocco

French

Sources of financing of the Solidarity and Social Economy: "Experience of Belgium" Reda SAHMI, Mostafa EL HACHOULFI; Hassan II University, Casablanca-Morocco

Participative Finance: Issues and perspectives Sofia BENSAID, Yousra OUDDA; Ibn Tofail University, Kénitra-Morocco

Zakat as a Social Financing Tool: Some International Experiences Sanae HASSAB, Amal NAJAB; Mohamed V University, Rabat-Morocco

Islamic Finance: Alternative Model for SME funding in Africa Mohamed ADRAOUI, Khalid ROUGGANI, Nabil BOUAYAD, Amine, Younes HABACHI; Hassan I University, Settat-Morocco

Macroeconomic balance in the Zakat system Ouissam EL ALAOUI, Mohamed AMEDJAR ; Hassan I University, Settat-Morocco