Baytul Maal can accommodate the first 2 (two) pillars of charity (shadaqah) and soft loan (qard). However, charity for the poor cannot be simply distributed or the poor should not be simply facilitated that way. This mechanism will not educate them to become better persons.
The charity also cannot be designated to only certain of people. The existence of Baytul Maal will neglect this traditional mechanism. Baytul Maal will act as an institution that receives and distributes Ziswah Fund (Zakat, Infaq/Shadaqah, Waqaf, and Hibah).
Baitut Tamwil acts as an institution that develop wealth to assist poor society, this can accommodate 3 (three) pillars of empowerment for combating poverty. With the presence of Baitut Tamwil, the society will learn how to obtain something through borrowing, and also how to fulfill future needs.
These can be planned through saving mechanism that is facilitated by Baitut-Tamwil. Baitut Tamwil also teaches them to increase their wealth through financing mechanism. In general, Baitut-Tamwil will function as an institution that manages revolving fund for commercial/charity and society savings purposes.
Baitut-Ta'min functions to compliment Baitul-Maal & Baitut-Tamwil through insurance scheme for low income households under sharing of risks mechanism. TAKMIN can play a role as bridge to facilitate the poor households, Islamic micro finance institutions and insurance company.Therefore, TAKMIN is expected to offer social protection with simple, fast and affordable services. Baitut-Ta'min is managing the micro insurance "sale & service" under "partner-agent model"
These three institutions, especially Baitut-Tamwil will play important role in Shariah Micro Finance. Together they will strengthen organization / institution as well as people with continuous education as part of empowerment process for low income households and micro entrepreneurs.