Akhuwat Foundation is a non-profit organization based in Pakistan that operates on the principles of interest-free microfinance and social entrepreneurship. Founded in 2001 by Dr. Amjad Saqib, Akhuwat aims to alleviate poverty and empower individuals through the provision of interest-free loans, educational support, and community development initiatives.

The foundation operates on the concept of “Qarz-e-Hasna” (Good Loan) which promotes interest-free microfinance to support low income individuals / households and communities. Akhuwat provides small loans to low-income skilled workers to help them start or expand their businesses, create income-generating opportunities, and improve their living conditions. The loans are provided without any interest, ensuring that borrowers are not burdened with debt.

Akhuwat Foundation also focuses on education and skill development programs. It offers scholarships to deserving students, enabling them to pursue higher education and build a better future. Additionally, the foundation provides vocational training programs to equip individuals with the necessary skills for employment and entrepreneurship.

Community development initiatives are another aspect of Akhuwat’s work. The foundation engages in projects that aim to uplift communities, such as constructing homes for the homeless, providing clean drinking water facilities, establishing healthcare centers, and promoting social welfare programs.

Types of Loan Offered by Akhuwat Foundation:-

Akhuwat Foundation offers various types of interest-free loans to cater to the diverse needs of individuals and communities. Some of the common types of loans provided by Akhuwat include:

  1. Microenterprise Loans: These loans are intended to support small businesses and income-generating activities. They are provided to individuals who want to start a new business, expansion of an existing one, or invest in income-generating assets. The loan amount and terms may vary based on the specific business plan and requirements.
  2. Agriculture Loans: Akhuwat offers loans specifically tailored for agricultural purposes. Financing aims to assist farmers and individuals involved in agricultural activities to improve their practices, purchase machinery, inputs or invest in livestock.
  3. Education Loans: Akhuwat provides interest-free education loans to deserving students who want to pursue higher education. These loans help cover tuition fees, educational expenses, and other related costs. The loans are designed to support students who demonstrates academic potential but face financial constraints to pursue their studies.
  4. Emergency Loans: Akhuwat offers emergency loans to individuals facing unforeseen financial crises or emergencies. These loans provide immediate financial assistance to help individuals cope with medical emergencies, natural disasters, or other urgent situations.
  5. Housing Loans: Akhuwat also provides housing loans to support individuals or families in acquiring safe and decent shelter. These loans assist in constructing, repairing, or renovating homes, allowing individuals to improve their living conditions and enhance their quality of life.
  6. Asset Financing: Akhuwat offers loans to help individuals acquire productive assets such as machinery, equipment, or vehicles. These loans enable individuals to enhance their income-generating capacity and expand their business operations.


It’s important to note, that the availability of these loans may vary based on the specific location and program offerings of Akhuwat Foundation. The loan terms, conditions, and eligibility criteria may also differ for each loan category. It is therefore recommended to visit their official website for detailed information about the loans available and the specific requirements for each program.

Akhuwat Foundation operates through a network of branches across Pakistan, reaching out to underprivileged individuals and communities. The organization relies on the support of volunteers, donors, and philanthropists to sustain its operations and expand its outreach.

Written by Sd/-


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