Typically, your investment yields a 6-8% return per year, and the principle investment capital is returned after 6 or 12 months. Every 3 months you'll receive a profit-sharing contribution and report detailing the positive impact of your investment. 1
Your investment is pooled into a fund with multiple investors and dispursed accross dozens of community banks and thousands of individual entrepreneurs. This way, money can be used where its needed most urgently, and your risk is diversified accross a broad portfollio.
Not all microfinance is created equal. Financing via Blossom's platform is used strictly to finance income-generating businesses—never for consumer spending. The aim of each investment is to increase a family's overall household income—and to put the loan sharks out of business.
Using Blossom's platform, qualified microfinance institutions can raise funds from a variety of individual and institutional investors from all around the globe.
Blossom's contract structure aligns the interest of investors with microfinance institutions using a profit sharing structure. Blossom takes no up front administrative fees or service charges.
Blossom's platform is designed with end-to-end shariah compliance in mind. All contracts (uqood) use fully approved shariah structures such as profit-sharing (mudarabah) and cost-plus asset purchase (murabahah).
Blossom's platform aims to streamline and accelerate microfinance fundraising process so institutions can focus on serving their members instead of dealing with banks.
Blossom's platform funds its partner institutions in their own local currency, so they no longer need to rely on risky foreign loans which carry heavy foreign exchange risk.
Blossom handles regulatory and tax matters so institutions can focus on their core business. Blossom's investments are full licensed and regulated in their respective jurisdictions.
Profit Sharing (Mudaraba)
in Central Java, Indonesia
microfinance social impact social good rural micro-industry retail profit sharing mudarabah
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The “BMT” model combines a for-profit motive (“Baitul Tamwil”) with a social-benefit motive (“Baitul Maal”). BMTs provide core banking facilities to marginalized communities where traditional banks don't operate or charge fees beyond what the community can afford.
BMTs drive wealth creation within local communities via savings programs and microfinance, and then use their commercial returns to fund social enterprise projects that solve local problems while providing sustainable income to the poor.
Our local partner - PBMT Ventura - maintains one of the highest quality and largest Islamic microfinance networks in existence with nearly two decades of operating experience.
Founder & CEO
CFO
Chief Strategy Officer
Blockchain Architect
Phone: (800) 487-4122
55 E 3rd Ave
San Mateo, CA 94401
Level 38, Tower A, Kota Kasablanka
Jl. Casablanca Raya Kav. 88 Jakarta 12870
