The document discusses overcoming financial challenges in Islamic microfinance. It identifies that profit sharing involves high transaction costs and requires transparency in calculating profits and losses. It also notes a lack of technical capacity, policies, and guidance. To overcome lack of funding, the document suggests providing more services than just credit, establishing links with the Islamic finance industry and donors, and creating specialist investment funds. It provides an example of a peer-to-peer lending platform that has raised over $5 million and discusses how an Islamic peer-to-peer lending platform could generate new capital and secure long-term funding for microfinance institutions at a lower cost.