There are many challenges within microfinance initiatives which may be social or financial; SYNERGIES4MICROFINANCE (S4MF) empowers the Islamic financial sector to reach and help developing the microfinance's in emerging markets where access to financial services is severely constrained. S4MF is a dedicated and Islamic Microfinance specialized technology solution enables streamline operations, reduces risks and costs, spreads institution products and services to the different communities, directly and indirectly.

The solution covers all aspects of microfinance activities from the sources of funds to the uses of funds with all relevant services and products, by providing strong customer focus on micro and small enterprises and start-ups; ranging from individual entrepreneurs and customers to group-based models and group centers management. Ensure adequate Sharia compliant financing tool by offering adaptable financing to micro entrepreneurs, based on financial analysis that aims at estimating client’s repayment capacity; S$MF provides access to a full range of Islamic finance and banking services to MFI clients, through its Omni-Channel and digital Delivery Channel solution;

Moreover, S4MF provides additional category of solution and services, which includes:

· Islamic Micro-banking activities: such as investment deposit account, bill payment, person to person payment, wallet, remittances, etc..
· Lifecycle Needs: such as weddings, funerals, childbirth, education, etc..
· Personal Emergencies: such as sickness, injury, unemployment, theft, etc..
· Disasters: such as fires, floods etc..
· Investment Opportunities: expanding a business, agriculture, real estate, buying, equipment, etc..
· Delivery of the MFI products and services through a comprehensive Omni-channel solution, i.e. mobile, internet, Agents, etc..