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A Poverty-Free Society built on the principles of compassion and equity.


To alleviate poverty by empowering socially and economically marginalized segments of the society through interest-free microfinance and education.


Akhuwat is the world’s largest Islamic micro-finance organization. Since 2001, Akhuwat has been working for poverty alleviation by empowering socially and economically marginalized segments of the society through its various poverty alleviation projects.

Akhuwat aims to alleviate poverty by creating a bond of solidarity between the affluent and the marginalized. Our goal is to develop and sustain a social system based on mutual support. Akhuwat not only helps and support the poor to become self-reliant but combined with their own hard work enable them to escape the clutches of poverty.

Philosophy of Akhuwat

Akhuwat derives its name from ‘mawakhaat’ or brotherhood, the earliest example of which was seen in the community formed by the Ansars, citizens of Medina and the Muhajireen, who had migrated to Medina to escape religious persecution. Inspired by the spirit which induced the Medinites to share half of their wealth with the migrants, Akhuwat seeks to invoke this very concept of brotherhood through its operations. For Akhuwat, the metaphor of brotherhood entails the creation of a system based on mutual support in the society.

Akhuwat’s Values

Akhuwat is running on the following principles:

  • Interest-free Loans – The loan provided will be interest free since providing loans with interest is business and poverty cannot be alleviated and eradicated by doing business with the deprived.
  • Use of Religious Places – Akhuwat wants to climb up the ladder of social and economic development through making Mosques, churches and religious places, the foundation. This is because in Islamic history Mosques used to be the seat of governance. In the time of Prophet Muhammad PBUH, mosques were used for worship, training and providing services. With this, comes the Transparency, Good Governance, participation and accountability.
  • Volunteerism – To think beyond the confines of oneself and to think about others. Akhuwat’s operations and activities rely upon the passion, energy, zeal and enthusiasm of its volunteers.
  • Transforming Borrowers into Donors – Akhuwat strives to empower its borrowers, so they are in a position to be givers one day.
  • Non-Discrimination on Caste, Color, Creed, Political Affiliation & Faith – Since Akhuwat strongly believes in solidarity and brotherhood. Therefore, it gives a message to cut down all the discriminatory and differential barriers in the society such as caste, color creed, political affiliation and religion.

Core Principles


Akhuwat provides interest free loans to the economically poor so that they may acquire a sustainable livelihood. The organization sees interest as a barrier to widespread proliferation of capital, and a violation of all moral and ethical codes. In keeping with the principles of equity and social justice, burdening the poor with exorbitant interest rates is also viewed as undermining the overarching goal of poverty alleviation.


The Akhuwat Model institutionalizes the use of local religious places, for example mosque, temples and churches, as centers for loan disbursements and avenues for community participation. Using the existing indigenous infrastructure for operations allows us to minimize our expenditure, have a higher level of transparency and accountability, and create a sense of goodwill amongst the community.


We believe in an inclusive society without any discrimination on the basis of caste, color, creed, gender, politics or faith. Akhuwat is a non-political and pro-poor organization.

Originally not a part of Akhuwat’s programs, the MDP (Member Donor Program) was introduced when a successful borrower asked for ways in which to contribute to the organization that was responsible for his uplift. His spirit and tenacity struck the staff of Akhuwat as an exemplary realization of the culture which it had been trying to promote. After all, the greatest indication of poverty reduction in a society is the transformation of borrowers to donors.

We see Akhuwat as a social contract — it is a pact between the privileged and the underprivileged, a duty of those who have resources towards those who do not. With that in mind, the organization trains and employs volunteers on a regular basis. We believe that an ideal social enterprise employs a mixture of volunteerism and necessary compensation; we preach the same principle to our employees and encourage them to contribute to this brotherhood beyond what is dictated by their formal contract, and thus the cause of Akhuwat becomes each employee’s own.