The core program of Akhuwat remains interest free microfinance (AIM). The loan disbursement amount has multiplied exponentially in a short span of time. From a starting capital of a few thousand rupees, over the past 19 years Akhuwat has disbursed Rs. 120 billion in loans, helping over 4.2 million families.

Loan application and disbursement procedures are designed to assist low income borrowers. They are simple to understand, locally provided and easily accessible with minimal paperwork.

Operating across Pakistan with presence in four hundred plus cities, Akhuwat now runs the largest Islamic microfinance program in the world. It operates through religious places, fostering and harnessing the spirit of volunteerism, aspiring to transform its borrowers into agents of change.

The trust and ownership of the program by the poor communities is evident in Akhuwat’s 99.99% loan repayment rate. Akhuwat’s unique microfinance program has won many accolades, in Pakistan and abroad, and its innovative approach to poverty alleviation is studied in universities around the world. AIM is also supported through public-private partnerships through initiatives such as Ehsaas Pakistan, and by provincial governments including the Governments of Punjab, Sindh, Baluchistan, Khyber Pakhtunkhwa, Gilgit-Baltistan, and Azad Kashmir.

These are the partnerships between Akhuwat Islamic Microfinance (AIM) and International Organizations, In which organizations provides funds and operational cost while AIM manages all operations.