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Islamic Micro-lending is our core programme. We give your donations as Qarz-e-Hasna, without interest, to people in need. This enables them to help themselves out of poverty and enables us to maximise your donations by recycling the capital.
At Akhuwat, we lend your Zakat and Sadaqah as Qarz-e-Hasna to family-owned businesses and other small-scale enterprises. To date, we’ve seen thousands of self-employed people improve their businesses, increase their output or start new businesses. Borrowers have used the Qarz-e-Hasna to acquire stock or equipment or to upgrade their workshops or work premises. Since our launch in 2001, most of our Family Enterprise borrowers have done so well that they were able to return what they took out within the stipulated time or even sooner.
Give an entrepreneur a hand-up. By donating Qarz-e-Hasna to Family Enterprises, you’ll be helping people make the most of their skills and resources to lift themselves out of poverty.
Liberation Lending helps people repay unscrupulous lenders and usurers who exploit them through exorbitantly high interest. In Pakistan, the culture of informal lenders, known as Baniyas, is prevalent. Poor families who are forced to borrow from such people, find themselves in a cycle of ongoing servitude, as they struggle to repay interest that’s often as high as 100%! Years later, the principal amount remains untouched, and the funds borrowed to help them becomes a yoke they cannot shift.
Through Liberation Lending, we settle the outstanding balance (interest and all) with the moneylender, freeing the debtor from them. The debtor is then able to repay Akhuwat’s Qarz-e-Hasna, without building interest, in manageable, monthly instalments.
Free a person from usurers. By donating Qarz-e-Hasna to our Liberation Project, you’ll be freeing someone and helping them regain control of their lives.
At Akhuwat, we give Qarz-e-Hasna to subsistence or small-scale farmers, as well as to tenant farmers who work their landlords’ plots. The Qarz-e-Hasna allow them to purchase equipment, seeds and fertiliser or to cover other farming expenses. With the funds they’re able to invest in their fields, farmers are able to increase their yield. They repay what they borrowed to Akhuwat in manageable, monthly instalments.
Help support small farmers. By donating Qarz-e-Hasna to small farmers, you’ll be helping them thrive in a climate where farming and food production are becoming increasingly challenging.
Many people in Pakistan lost their homes to the 2022 floods and are still trying to rebuild their lives. They live in ramshackle shelters and extremely poor, overcrowded conditions. Often, they are exposed to the elements and haven’t got access to proper sanitation. These people have no way of saving to rebuild or renovate, since their earnings are just enough to survive on. To help improve their living conditions, Akhuwat gives them Qarz-e-Hasna so they can rebuild or repair.
When evaluating applications for this project, our staff take care to ensure the proposed construction/renovation is justified and necessary. Borrowers usually repay the funds within two years
Help provide shelter. By donating Qarz-e-Hasna towards housing, you can help flood survivors rebuild their lives or turn a needy family’s home into a place of shelter and safety.
Marriage expenses remain a huge responsibility for parents in Pakistani society. Poor families often struggle to obtain the necessary funds for weddings and dowries. Over the years, many people from the underprivileged communities we work with, expressed their need for assistance to get their daughters married. When we realised this was a common issue, Akhuwat started offering Qarz-e-Hasna for people wanting to get married.
Help poor couples marry. By donating Qarz-e-Hasna, you can help a needy father and mother get their daughter married with honour and dignity.
At Akhuwat, we place great emphasis on education as a proven way for people to better their circumstances. This is why we provide Qarz-e-Hasna to students. The young people we support have excellent academic performances but lack the economic means to continue with their education. They use the Qarz-e-Hasna your Zakat and Sadaqah provide to pay for school fees, registration and/or examination fees; as well as purchasing books, uniforms and other classroom material.
Help a needy student get back to school. By donating Qarz-e-Hasna, you’ll be giving a student the learning and skills that will make them more employable.
Diseases like hepatitis, tuberculosis, and diabetes are common in underprivileged communities. Most of these are treatable or manageable through the right care, but if left untreated they can be fatal.
Akhuwat gives Qarz-e-Hasna to needy people who are ill but cannot afford medical care. To date, we’ve helped more than half a million people in Pakistan get free or subsidised treatment. It has helped to improve the wellbeing of needy people and in many cases, even saved lives.
Help save lives through vital medical aid. By donating Qarz-e-Hasna towards healthcare, you’ll be helping poor and vulnerable people who cannot afford hospital fees and medicine.
Emergencies and unforeseen events impact us all at some point. For poor families, with little or no savings to absorb the shock, this is a moment of crisis. At Akhuwat, we give Qarz-e-Hasna at these times, when needy people face crises that threaten their lives or livelihoods.
This project utilises your Zakat and Sadaqah to cover losses in business, healthcare expenses, machinery or motor vehicle repairs, veterinary expenses for farm animals, etc.
Help in times of crisis. By donating Qarz-e-Hasna towards an emergency, you’ll be giving someone a helping hand out of difficulty, when they need it most.
