D. Social Security:3 Reports of the Zakat Chamber indicate that good efforts have been exerted in all states of the Sudan in the fields of drinking water, health, education and sponsorships. Relentless efforts are being exerted to develop social funds. Financial equilibrium has been achieved in all these funds. The minimum pension pay was increased from 90 Sudanese Pounds to 120 and maximum was increased from 442 to 620 Pounds. The Pension Fund and the Social Security Fund support pensioners’ development projects. The number of beneficiaries from these projects increased by 2.7 folds from 4,513 to 12,411; While actual payments increased by 4 folds from 10 million Pounds to 40. On the other hand and, in view of small amounts of pension pay the funds provided social support to pensioners whereby the number of beneficiaries increased from 59,000 to 85,000 and the actual payments increased from 8.7 million Pounds to 16.2 million Pounds. In view of the relative scarcity of employment opportunities there is a need for development of private enterprises (small and medium) as a means to combat poverty. Accessibility to credit for the poor is very important in this respect. The Central Bank of Sudan has adopted a strategy for the provision of microfinance and has opened a new and important venue for social finance (social banking). Statements indicate that the total amount of loans offered up to 31 August 2008 was 9.3 billion Pounds, the share of microfinance was 264 millions i.e. 3%. Contribution to microfinance by only two banks amounted to 71% of the total microfinance offered. These were the Saving & Social Development Bank (41%) and the Sudanese Agricultural Bank (30%). These two are specialized banks that already deal in microfinance. However, response of private and foreign banks was very weak. Work is underway to define who is the microfinance client and the whole credit policies in view of the expected recession the possible transmission of infections from economies of the big countries. Social organization represents an important pillar to the success of social banking. The experiment of the Zakat Chamber in supporting cooperatives is worthwhile studying (218 cooperatives were supported by tractors and accessories). Health Insurance: Following the issuance of the Health Insurance Act, 2001 coverage of health insurance jumped from 1.5% in 1997 to 25.5% in 2006 to reach 40.1% in 2010. Table (8) shows coverage by states. 3 Source: Report on the Definition, Measurement of Poverty and Efforts to Combat it, 2008, Ministry of Welfare and Social Security. 42