This document summarizes the work of Akhuwat, a Pakistani non-profit that provides interest-free microloans and other social services. It operates microfinance programs that have disbursed over $45 billion to over 2.2 million borrowers, with a 99.94% repayment rate. Akhuwat also runs health services including diabetes treatment, education assistance, support for transgender individuals, a clothes bank, and several schools and colleges, including plans to open Akhuwat University. The organization aims to empower Pakistanis and alleviate poverty through compassion and equity.

1. Akhuwat, A new
experience in MicroCredit
By
Muhammad Saleem Ahmad Ranjha
September 11, 2017

2. Akhuwat
Vision
A poverty free society built on the principles
of compassion and equity
Philosophy
Muakhat –a-Madina – Brotherhood amongst all

3. Akhuwat Board of Directors

4. Akhuwat Board Room

5. Akhuwat’s Innovative Projects
1. Akhuwat Microfinance – Qard-e-Hasan
2. Akhuwat Health Services
3. Akhuwat Education and Assistance Program
4. Akhuwat Volunteers
5. Akhuwat Khuwajasira Support Program
6. Akhuwat Clothes Bank
7. Akhuwat Schools / Colleges
8. Akhuwat University

6. Akhuwat Principles
• Concept of Muwakhat
• Through interest free micro finance
• Qarz e Hasna
• Use of religious place, Mosque, Church
• Volunteerism
• Making borrower a donor

7. 1. Akhuwat Microfinance
Overall
• Offices in Pakistan: 686
• No. of Cities: 450
• Total borrowers : 2,200,000
• Total Amount Disbursed: 45 billion US $ 450 M
• Active Loans 825,5421
• Recovery Rate: 99.94 %
• Staff: 5000 plus

8. Akhuwat’s Borrowers

9. Akhuwat’s Loan Disbursement through Mosques

10. Akhuwat’s Loan Disbursement through Mosques

11. Akhuwat’s Loan Disbursement through Churches

12. Akhuwat in Mithi Temple

14. Akhuwat At Badshahi Masjid January 2016

15. CHIEF MINISTER’S PUNJAB
SELF EMPLOYMENT SCHEME CMSES
• Govt of Punjab created a QH fund of Rs. 1 billion (Started November,
2011) 7% Operational Expenses
• Priority to women, skilled youth
• Management out sourced to Akhuwat, All principles of Akhuwat
• Progress (Loans 1.575,000, Active 640,000 Disb. Rs. 33 billion)
• The fund has reached Rs. 14 billion, Agricultural Loans 2 Billion
• 450 offices in 34 districts

16. PRIME MINISTER’S INTEREST FREE LOANS
SCHEME
• Rs. 3.5 billion. 10% Operational Expences
• Will be expected to double in near future
• Outsourced to Pakistan Poverty Alleviation Fund
• 35 Partners Recently achieved 300,000 Beneficiaries
• Akhuwat Interest Free Model
• Chief Minister’s Self Employment Scheme - Gilgit Baltistan 750 M Dis 1.2 B 60,000 loans
• Governor KPK Scheme for FATA 700 Million 180 M 21,408 loans
• TEVTA Punjab 500 M fund, 755 M 13,000 Loans

17. Progress of Last Five Years
Year No of Loans Amount of Loan
2011-2012 67,683 Rs. 1 Billion
2012-2013 159,138 Rs. 2 Billion
2013-2014 234,883 Rs. 4 Billion
2014-2015 367,798 Rs. 7 Billion
2015-2016 496,458 Rs. 11 Billion
2016-2017 826,447 Rs. 18 Billion

18. 2. Akhuwat Health Services
A center providing state of the art facilities for the
treatment and management of Diabetes

19. Akhuwat Health Services – Camps

20. Akhuwat Health Services
Foot amputations due to diabetes
1 2 3 4

21. Akhuwat Health Services
Foot amputations due to diabetes
1 2 3 4

22. 3. Akhuwat Education Assistance Program

23. 4. Akhuwat Volunteers

24. Akhuwat Volunteers

25. 5. Akhuwat Transgender Support Program
Goal:
Create a society where the transgendered are treated as equal
citizens without prejudice or discrimination.

26. Akhuwat Khawajasira Support Program
Objectives
• To promote the rights and responsibilities of the Khwajasira community
• To create a system of social support for the Khwajasira community
through the provision of health, counseling and financial services
• To financially empower Khwajasiras and eliminate their dependence on
alms
• To work towards the social integration of Khwajasiras as equal and
engaged members of the society
• To create a platform to promote dialogue and understanding between
the Khwajasira community and Civil Society

27. KHAWAJASIRAS DURING MONTHLY STIPEND EVENT

30. 6. Akhuwat Clothes Bank
Akhuwat Cloth Bank Project is an initiative to raise awareness
among the well-to-do families in Pakistan to donate and
provide quality used clothes to underprivileged people of
Pakistan.
1,500,000 plus pieces of clothes disbursed

31. Akhuwat Clothes Disbursement in
Mithi - Sindh

32. Bridals and Party Wear

33. Lahore Tallest Building fully on Solar Power

34. Akhuwat Schools / Colleges
• 298 Primary schools supported by Taaleem Foundation E-School
• Jhang and Faisalabad, Attendance rose from 3,000 to 50,000 in 16 months
• 1,000 new teachers appointed
• Solar powered and Internet connected
• E-Learning with ICT-enabled, video based, multiple source content
• Computer Based Testing Service for Online Assessment
• E-Learning Platform will also support E-Health and E-Skills services
• Akhuwat College at Lahore and NJV School in Karachi

35. e-School
From Studio to Classroom
ONLINE CLASSES
Tec is providing e-Classes facility to TF Schools in
Balochistan from Karachi.

36. e-School
Learning Management System
Photo Caption: e-Class at TF Sui
Learning Management System has five components:
Content
Development
Video
Animation
Daily Learning
Plan
Academic
Coordination
Students
Learning
Outcomes

37. e-School
Virtual Tour of LMS

38. e-School
ONLINE ASSESSMENT
COMPUTER BASED TESTING SYSTEM

39. Akhuwat Kiran School DCTO Lyari Karachi

40. Akhuwat College Lahore

41. Akhuwat NJV College Karachi

43. 8. Akhuwat University
Akhuwat University promises to transform individual
fortunes and have a significant bearing in making a
contribution towards making Pakistan stronger and ever
more self-confident. It will be a NO FEE UNIVERSITY.

44. Akhuwat FIRST (Biotechnology) Faisalabad

45. Akhuwat University Wall of Founders

46. Akhuwat University

47. Akhuwat University

48. Akhuwat University Hostels & Academic Block

49. Akhuwat University Academic Block

50. Akhuwat University

51. Akhuwat University

52. Akhuwat University

53. Akhuwat University

54. One of the Pakistan “Public Good Initiatives”

55. Success
• Empowering Pakistanis with Education, Health Livelihood through
Technology
• Registered in United States and United Kingdom
• Started operations in Uganda
• Socialized objectives and Pleasure of Allah
• Nothing to lose

56. Contact details
Address: 19-Civic Centre, Sector A-II, Near Hamdard
Chowk, Township, Lahore
Mob: +92 300 8443300
saleemranjha@gmail.com
www.akhuwat.org.pk