A

Akhuwat Network

Interest-Free Microfinance

Empowering Communities ThroughInterest-Free Finance

Join Pakistans largest microfinance organization providing Sharia-compliant financial solutions to uplift communities and create sustainable livelihoods.

500K+
Families Served
$100M+
Funds Disbursed
0%
Interest Rate
Community empowerment through microfinance

About Akhuwat Foundation

Founded on the principles of Islamic brotherhood and compassion, Akhuwat has been transforming lives through interest-free microfinance since 2001.

Our Story

Akhuwat Foundation was established with a simple yet powerful vision: to eliminate poverty through interest-free microfinance based on the Islamic principle of Qard-e-Hasna (benevolent loan). What started as a small initiative has grown into Pakistans largest microfinance institution.

Our unique model operates through mosques, churches, temples, and community centers, fostering interfaith harmony while providing financial services to those who need them most. We believe that access to interest-free credit is a fundamental right, not a privilege.

Today, Akhuwat stands as a beacon of hope for millions of families, proving that ethical finance can be both sustainable and transformative. Our success is measured not just in numbers, but in the countless lives we have helped transform.

Largest interest-free microfinance organization in Pakistan
Serving over 4.5 million families across the country
Zero interest policy based on Islamic principles
99.8% loan recovery rate demonstrating trust and reliability
Winner of multiple national and international awards
Operating in all provinces of Pakistan with 800+ branches
Akhuwat Foundation helping communities
23+
Years of Service

Our Core Values

These fundamental principles guide everything we do and shape our approach to serving communities.

Compassion

We believe in the power of human compassion to transform lives and communities.

Brotherhood

Building bridges of understanding and support across all communities.

Excellence

Committed to delivering the highest quality services with integrity and transparency.

Impact

Creating sustainable change that empowers individuals and strengthens communities.

Our Mission

To alleviate poverty by providing interest-free microfinance and related services to the underprivileged, fostering economic empowerment and social development through Islamic principles of brotherhood and mutual support.

Our Vision

A poverty-free Pakistan where every individual has access to dignified financial services, enabling them to build sustainable livelihoods and contribute to the prosperity of their communities and the nation.

Our Services

Comprehensive solutions designed to empower individuals and communities through sustainable development and social welfare programs.

Microfinance

Microfinance

Interest-free loans for small businesses and income generation activities

No interest or hidden charges
Flexible repayment terms
Quick approval process
Collateral-free loans
Healthcare

Healthcare

Comprehensive healthcare services and medical assistance programs

Free medical consultations
Subsidized medicines
Health insurance schemes
Mobile health units
Education

Education

Educational support and skill development programs for all ages

Scholarship programs
Vocational training
Adult literacy classes
Computer training
Emergency Relief

Emergency Relief

Disaster response and emergency assistance for affected communities

Natural disaster relief
Emergency food supplies
Temporary shelter
Medical emergency aid

Additional Services

Expanding our impact through specialized programs tailored to community needs.

Housing Finance

Interest-free housing loans for home construction and renovation

Enterprise Development

Business development support and entrepreneurship training

Community Development

Community-based development programs and social initiatives

Ready to Get Started?

Join thousands of families who have transformed their lives through our services. Contact us today to learn how we can help you.

How It Works

Our simple, transparent process makes it easy for you to access interest-free loans and start your journey towards financial independence.

Step 1

Application

Submit your loan application with basic documentation

Fill out simple application form
Provide CNIC and basic documents
No complex paperwork required
Quick and easy process
Step 2

Group Formation

Join or form a group with other community members

Groups of 15-25 members
Community-based selection
Mutual guarantee system
Peer support network
Step 3

Approval & Training

Get approved and receive financial literacy training

Quick approval process
Business skills training
Financial management education
Ongoing mentorship support
Step 4

Loan Disbursement

Receive your interest-free loan and start your business

Interest-free loan disbursement
Flexible repayment schedule
Continuous support
Growth opportunities

Eligibility Requirements

Pakistani citizen with valid CNIC
Age between 18-65 years
Permanent residence proof
Basic business plan or income source
Two guarantors from the community
Willingness to join a group

Loan Categories

Micro Enterprise

6-12 months
PKR 10,000 - 100,000
Small business development

Small Enterprise

12-24 months
PKR 100,000 - 500,000
Business expansion

Agriculture

6-18 months
PKR 25,000 - 200,000
Farming and livestock

Housing

24-60 months
PKR 200,000 - 1,000,000
Home construction/renovation

Ready to Transform Your Life?

Join thousands of successful entrepreneurs who have built their businesses with our interest-free loans. Start your application today!

Success Stories

Real stories from real people whose lives have been transformed through Akhuwats interest-free microfinance services.

Fatima Bibi

Fatima Bibi

Lahore, Punjab

With Akhuwat's interest-free loan, I started my tailoring business from home. Today, I employ 5 women and have expanded to a proper shop. My monthly income has increased from PKR 8,000 to PKR 35,000.

Business Type
Tailoring Shop
Loan Amount
PKR 50,000
Impact
Employed 5 women, Monthly income increased by 340%
1 of 6
Fatima Bibi's business
Success Rate
99.8%
Fatima Bibi
Fatima Bibi
Tailoring Shop

With Akhuwat's interest-free loan, I started my tailoring business from home. Today, I employ 5 women and have expanded to a proper shop. My monthly income has increased from PKR 8,000 to PKR 35,000.

PKR 50,000
Muhammad Akram
Muhammad Akram
Grocery Store

I was struggling to feed my family with my daily wage job. Akhuwat's loan helped me open a small grocery store. Now I have a stable income and my children are getting proper education.

PKR 75,000
Aisha Khan
Aisha Khan
Beauty Salon

After completing my beautician course, I needed capital to start my salon. Akhuwat believed in my dream and provided an interest-free loan. My salon now serves 200+ customers monthly.

PKR 100,000
Abdul Rahman
Abdul Rahman
Livestock Farming

I used Akhuwat's agricultural loan to buy cattle for milk production. The business has grown tremendously, and I now supply milk to the entire neighborhood. My family's living standard has improved significantly.

PKR 150,000
Saira Begum
Saira Begum
Handicrafts

I started making handicrafts at home with Akhuwat's support. My products are now sold in local markets and online. I've trained 10 other women in my community to join this business.

PKR 40,000
Hassan Ali
Hassan Ali
Mobile Repair Shop

With my technical skills and Akhuwat's financial support, I opened a mobile repair shop. The business is thriving, and I'm planning to open a second branch soon.

PKR 60,000

What People Say

Hear from community leaders and beneficiaries about their experience with Akhuwat.

Akhuwat has been a blessing for our community. Their interest-free model is truly revolutionary.

Community Leader, Lahore

The support and training provided by Akhuwat helped me build a sustainable business.

Entrepreneur, Karachi

I never thought I could own a business. Akhuwat made my dream come true.

Small Business Owner, Islamabad

Share Your Success Story

Have you been helped by Akhuwat? We wouldd love to hear your story and inspire others in their journey towards financial independence.

Contact Us

Get in touch with us to learn more about our services, apply for a loan, or explore partnership opportunities. We are here to help you succeed.

Send us a Message

Head Office

New Shehbaz Building Thandi Sadak Hydrabad

Phone Numbers

+92 3354571620

Email Addresses

Info@akhuwatnetwork.online

Working Hours

Monday - Friday: 9:00 AM - 5:00 PM

Saturday: 9:00 AM - 2:00 PM

Sunday: Closed

Quick Actions

Our Branch Locations

Visit any of our branches across Pakistan for personalized assistance and services.

Karachi

Plot No. 123, Block A, Gulshan-e-Iqbal

+92 3354571620

Find Us on Map

Our head office is located in the heart of Lahore, easily accessible from all parts of the city.

Interactive map will be loaded here

New Shehbaz Building Thandi Sadak Hydrabad