• Holding no. 01 (Flat No. B-3), Sonargaon Jonopath, Sector No. 12, Uttara, Dhaka

  • Info@amenabd.org

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Loan Portfolio
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VISION, MISSION & OBJECTIVES

A.M.E.N.A Foundation has made its commitment to three sectors. The first is a commitment to the marginalized poor sector for which the Foundation is organized and exists. The second commitment is to the staff members who are dedicated to the Foundation’s mission. It is also committed to making its founder’s and patron’s vision a reality. To these ends, it shall;


  1. Deliver the Shari’ah Financing program like Murabaha, Ijara and Qard al Hasan to the poor through the enterprising women of the family, Health and Education program, Housing Improvement and Water & Sanitation Program.
  2. Create the best place to work in, where every staff member has the chance to live in dignity, develop a career path and have the fulfillment of changing lives of the poor and their own as well.
  3. Be self-sustained and be the best managed Shari’ah Financing institution in Bangladesh.

A.M.E.N.A Foundation is a not-for-profit and non-political organization devoted to helping the poor families rise out of poverty by providing specialized Shari’ah based financing services, Health & Education Program, Housing Improvement and Water & Sanitation Program in order to improve the quality of life in the most cost-effective and sustainable manner.


A.M.E.N.A Foundation will perform its activities, to the best of its efforts and abilities, in the interest of the mass people regardless of race, religion, color and ethnicity. To achieve the mission this foundation shall have the following objectives:


  • Provide financial and capital support to the micro-enterprises for both self-employment and employment generation, and provide support on economic literacy and building micro-savings of the poor in order to raise their own capital for the poverty alleviation of the nation.
  • To carry out humanitarian or charitable programs, distribution of relief and rehabilitation activities for the poor population in the event of natural and or man-made calamities or disaster.
  • Undertake programs and activities for environmental protection, conservation of forest and reforestation, improper and excessive use of pesticides and other industrial wastes for protection of environment and improvement of quality of life of the people and good health for all.
  • To provide education and training on capacity building to small and micro entrepreneurs to increase their business management and technical skills and efficiency, and to provide technical and vocational education and training (TVET) to individuals for entrepreneurship, inculcating a culture of entrepreneurial spirit to create jobs.
  • To provide green energy programs by implementing Solar Home System (SHS) to poor households for the protection of the environment.
  • To build up community awareness on health care, social health education, the bad effect of smoking, rampant use of drugs and narcotics, indiscriminate garbage disposal, adverse effects of excessive use of toiletries and cosmetics.
  • To build up mass awareness on child labor, child trafficking, women trafficking, child marriage, anti-dowry, violence or oppression against women, and undertake women empowerment programs. Provide legal counseling and support to those oppressed individuals and their families.
  • To increase awareness of pregnant women about the dangers of delivery at home and undertake activities to increase the number of safe deliveries, develop mother and child care centers in order to reduce infant mortality.

Islamic Microfinance Program

In order to achieve the missions of the Foundation, Shari’ah Financing is the prime program component. It is implanting full-fledged Islamic Microfinance program. Microfinance program of the foundation is not simply a financial service rather it is a service to the poor woman of Bangladesh to develop not only their financial capacity but also to improve life and socio-economic status as well as alleviate poverty of the nation. This Foundation started its microfinance operation on 3rd January 2022. As of June 2024. it has 18 branches serving 14,582 entrepreneurial poor woman with 195.68 million principal portfolios. It is contributing mostly to Agriculture, Livestock and Fisheries Development. However, is also lending to various sectors like Trading, Cottage & Handicraft, Processing and Manufacturing and many others.

About 30% of total loan portfolio given to agriculture sector, 25% to livestock and fisheries, 20% to trading of fish/vegetable/rice/groceries etc, 8% to Cottage & Handicraft and 14% to other sectors.

Amena Foundation Islami Microfinance

FOUNDER PROFILE

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Md. Kamrul Hasan Tarafder

Mr. Kamrul H. Tarafder is Co-Founder, President, and CEO of ASA Philippines Foundation (one of the largest MFI/NGOs in Southeast Asia and the Pacific region). Prior to ASA Philippines, he was the Team Leader Consultant of the United Nations Development Programme-Microfinance Support Project (UNDP-MSP) and Microfinance Sector Support Project (MSSP) from October 1998 until June 2004. He handled 3 projects as Team Leader Expert for the MSSP of the UNDP MicroStart Program in the Philippines. He assisted more than 25 MFIs in the Philippines by introducing the ASA system and studied around 50 MFIs throughout the country. The project was evaluated by the Consultative Group to Assist the Poorest (CGAP) and the United Nations Capital Development Fund (UNCDF) as the highest achievement and no. 1 among 66 implementing countries in the world.

He has extensive experience in South and Southeast Asian countries in establishing the microfinance system. He also attended many national and international seminars on microfinance in the United States, Australia, Thailand, Bangladesh, and the Philippines as a resource person. He was the Deputy General Manager and acted in various capacities with ASA Bangladesh for 11 years. In 1979, he earned a Higher Secondary Certificate from Brindaban College in Bangladesh. He finished his Bachelor of Arts degree at the University of Dhaka in 1988. In 2003, he earned his Master in Entrepreneurship (with distinction) at AIM, Manila. He has been honored to speak as a Resource Speaker in various international conferences of USAID, Swinburne University of Australia, Colombo Plan Staff College of the Philippines, University of Asia and the Pacific, Cambridge IFA (Islamic Fund Award) in the UK, etc.

He also successfully completed workshops in many organizations like Habitat for Humanity, Wharton University, Water.org, etc. Mr. Kamrul Tarafder is awarded by The Asset 25 with Best Gender Bond Award 2024 and “AIM Alumni Achievement Award” of the Asian Institute of Management.

Board Of Governance(BOG)

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NEWS SECTION

AMENA Foundation regularly shares updates on its impactful initiatives to support underprivileged communities in Bangladesh. These updates highlight efforts such as providing essential aid, promoting education, and improving healthcare access for the poor. Through these stories, AMENA Foundation inspires others to join its mission of empowering lives and fostering positive change.

17 Dec 12

As it is a service to the poor woman of Bangladesh to develop not only their financial capacity but also to improve life and socio-economic status as well as alleviate poverty of the nation, we finance only to income generating project of the client.

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17 Dec 12

In order to achieve the missions of the Foundation, Shari’ah Financing is the prime program component. It is implanting full-fledged Islamic Microfinance program. Microfinance program of the foundation is not simply a financial service rather it is a

read more

Our Event

AMENA Foundation is organizing a charitable event to support underprivileged communities in Bangladesh. The event focuses on providing essential resources, education, and healthcare to improve the quality of life for the poor. Join us in making a difference and empowering lives through kindness and collective effort.