The document describes the mission, vision, objectives, principles, processes, achievements and future plans of Akhuwat, an interest-free microfinance organization in Pakistan. Its mission is to alleviate poverty through microfinance loans, capacity building and social guidance. It has loaned over 6 billion rupees to over 400,000 borrowers at a 99.85% recovery rate. Borrowers often become donors by contributing small daily amounts. Akhuwat aims to expand further in Pakistan and replicate its model in other regions.

1. AKHUWATAKHUWAT
A Qarz e Hasan ProgrammeA Qarz e Hasan Programme
(Interest Free Microfinance)(Interest Free Microfinance)
International Biogas Workshop,International Biogas Workshop,
Hanoi VietnamHanoi Vietnam
November 28, 2013November 28, 2013

2. MISSIONMISSION
To alleviate poverty by empowering sociallyTo alleviate poverty by empowering socially
and economically marginalized familiesand economically marginalized families
through interest free microfinance and bythrough interest free microfinance and by
harnessing entrepreneurial potential,harnessing entrepreneurial potential,
capacity building and social guidance.capacity building and social guidance.
VISIONVISION
A poverty free society built on theA poverty free society built on the
principles of compassion and equityprinciples of compassion and equity

3. OBJECTIVESOBJECTIVES
• To provide interest free microfinance services toTo provide interest free microfinance services to
poor families enabling them become self reliantpoor families enabling them become self reliant
• To promoteTo promote Qarz-e-HasanQarz-e-Hasan as a viable model andas a viable model and
a broad-based solution for poverty alleviationa broad-based solution for poverty alleviation
• To provide social guidance, capacity building andTo provide social guidance, capacity building and
entrepreneurial trainingentrepreneurial training
• To institutionalize the spirit of brotherhood,To institutionalize the spirit of brotherhood,
compassion, and volunteerismcompassion, and volunteerism
• To transform Akhuwat borrowers into donorsTo transform Akhuwat borrowers into donors
• To make Akhuwat a sustainable, growth-To make Akhuwat a sustainable, growth-
oriented and replicable organizationoriented and replicable organization

4. Basic PrinciplesBasic Principles
• Re Incarnation of MuwakhatRe Incarnation of Muwakhat
• Through Qarz I HasnaThrough Qarz I Hasna
• Mosque, Church and TempleMosque, Church and Temple
• VolunteerismVolunteerism
• Converting Borrower into a DonorConverting Borrower into a Donor
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5. PROCESSPROCESS
• Establishment of a Credit PoolEstablishment of a Credit Pool
• Small LoansSmall Loans (Qarz-e-Hasan)(Qarz-e-Hasan) to the Poor fromto the Poor from
Credit PoolCredit Pool
• Loans are given to:Loans are given to:
– Start or Expand Business orStart or Expand Business or
– Meeting Social NeedsMeeting Social Needs
• Increase in Income of PoorIncrease in Income of Poor
• Improvement in quality of lifeImprovement in quality of life
• Alleviation of PovertyAlleviation of Poverty
• A better SocietyA better Society

6. FEATURESFEATURES
• Loans given from Credit Pool are interest freeLoans given from Credit Pool are interest free
• Credit Pool create through philanthropy/spirit ofCredit Pool create through philanthropy/spirit of
MuakhatMuakhat
• Activities centered in Mosque and ChurchActivities centered in Mosque and Church
• Combination of Volunteerism and necessaryCombination of Volunteerism and necessary
compensationcompensation
• Replication instead of expansionReplication instead of expansion
• Our borrowers are our donors as wellOur borrowers are our donors as well

7. ACHIEVEMENTS IACHIEVEMENTS I
• Started in 2001 with a first donation of Rs.Started in 2001 with a first donation of Rs.
10,00010,000
• Credit Pool now has grown to Rs. 800 MCredit Pool now has grown to Rs. 800 M
• This Pool is a Revolving fundThis Pool is a Revolving fund
• The amount is regularly disbursed andThe amount is regularly disbursed and
recoveredrecovered
• Cumulative disbursement is Rs. 6 billionCumulative disbursement is Rs. 6 billion

8. ACHIEVEMENTS IIACHIEVEMENTS II
• Total Branches: 250+Total Branches: 250+
• Presence in 130 Cities and towns in PakistanPresence in 130 Cities and towns in Pakistan
• Total borrowers : 400,000+Total borrowers : 400,000+
• Recovery Rate : 99.85 %Recovery Rate : 99.85 %
• Staff : 1500 plusStaff : 1500 plus
• A new model in Micro FinanceA new model in Micro Finance
• Included in the syllabus of many InternationalIncluded in the syllabus of many International
UniversitiesUniversities
• Case StudiesCase Studies

9. BORROWERS BECOMING DONORSBORROWERS BECOMING DONORS
• Our borrowers are our donors as wellOur borrowers are our donors as well
• Small Donation boxes are placed at workSmall Donation boxes are placed at work
places, homes, carts, etc.places, homes, carts, etc.
• Borrower contributes Rs. 2 to Rs. 5 daily.Borrower contributes Rs. 2 to Rs. 5 daily.
• More than 300,000 active borrowersMore than 300,000 active borrowers
• It is not compulsoryIt is not compulsory

10. Future PlansFuture Plans
• Next year disbursement of Rs. 5 BillionNext year disbursement of Rs. 5 Billion
• Expansions in all the provinces of PakistanExpansions in all the provinces of Pakistan
• Akhuwat University LahoreAkhuwat University Lahore
• Replications in the regionReplications in the region
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11. Sister OrganizationsSister Organizations
• Fountain HouseFountain House
• Punjab Trust for DisabledPunjab Trust for Disabled
• Make a DreamMake a Dream
• KawishKawish
• Akhuwat Educational ServicesAkhuwat Educational Services
• Akhuwat Health ServicesAkhuwat Health Services
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12. ReplicationsReplications
• AlkhidmatAlkhidmat
• Sialkot Chambers of CommerceSialkot Chambers of Commerce
• Al- Islah Trust RawalpindiAl- Islah Trust Rawalpindi
• Haral bunyad with BorjanHaral bunyad with Borjan
• AsasaAsasa
• Rashidabad Memorial Trust Tando Allah YarRashidabad Memorial Trust Tando Allah Yar
• Sajhoro KhairpurSajhoro Khairpur
• Total 17 in numberTotal 17 in number
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13. Collaborations withCollaborations with
• Government of PakistanGovernment of Pakistan
• Government of PunjabGovernment of Punjab
• Government of Gilgit BaltistanGovernment of Gilgit Baltistan
• NAVTTCNAVTTC
• TEVTATEVTA
• Imran khan FoundationImran khan Foundation
• TCF/ Hunar FoundationTCF/ Hunar Foundation
• Aman FoundationAman Foundation
• Rural Support Programme Network RSPNRural Support Programme Network RSPN
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14. Interventions in Biogas SectorInterventions in Biogas Sector
• Wan Miana ModelWan Miana Model
• Micro finance offer to RSPN MOUMicro finance offer to RSPN MOU
• Punjab Government for tubewellsPunjab Government for tubewells
• Pilot ProjectPilot Project
• By Product Single Super PhosphateBy Product Single Super Phosphate
• Linkages with UniversitiesLinkages with Universities
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15. Wan Miana Social Development ModelWan Miana Social Development Model
• Cash grants to Widows and OrphansCash grants to Widows and Orphans
• Free MilkFree Milk
• Akhuwat LoansAkhuwat Loans
• POBT Eye OperationsPOBT Eye Operations
• Iqra SchoolsIqra Schools
• Biogas and Solar EnergyBiogas and Solar Energy
• Fertilizers and SeedsFertilizers and Seeds
• Rural telemedicine centreRural telemedicine centre
• Sustainable AgriculturalSustainable Agricultural
• Carbon CreditingCarbon Crediting 1515

16. BORROWERSBORROWERS
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27. DISBURSEMENTDISBURSEMENT
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28. A Loan Disbursement Event in a Mosque

29. 2929
A Loan Disbursement Event in a Mosque

30. 3030A Loan Disbursement Event in a Mosque

31. 3131
A Loan Disbursement Event in a Mosque

32. 3232
A Loan Disbursement Event in a Mosque

33. A Loan Disbursement Event in a Mosque

34. Awareness Event in a Mosque

35. 3535Akhuwat Event in a Mosque (Chiniot)

36. Akhuwat Event in a Mosque (Rajan Pur)

37. A Loan Disbursement Event in a Church

38. THANK YOUTHANK YOU
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