Akhuwat Islamic Microfinance

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.

Benefiting Families

4.2 Million

Disbursed in Loans

PKR 120 Billion

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 and different organizations.

International Partnerships

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.

Local Partnerships

These are the partnerships among Akhuwat Islamic Microfinance (AIM), local organizations and philanthropists in which local org. provides funds and operational cost while AIM manages all operations.


Board Of Directors

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Branch Network

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Progress Report

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Impact & Assessment Report

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Loan Process

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Loan Products

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Piotr KorynskiProgramme Director - Open Society Institute (OSI) USA

I was impressed by Akhuwat’s Islamic microfinance project. It is very innovative & addresses several important issues in current microfinance ...

Agha Ali JawadGeneral Manager - National Rural Support Programme (NRSP)

Very impressive. The programme is being implemented with missionary spirit.

Professor M. S. SriramIndian Institute of Management, Vastrapur, Ahmadabad, India

I think Akhuwat’s use of the mosque as a place to do socially relevant activities seems to be very innovative. ...

Professor R. SrinivasanProfessor Finance & Control Area & Chairperson - Microfinance Group, Indian Institute of Management, Bangalore India.

What impressed me was that Akhuwat combined microfinance best practices with the deeply rooted cultural value that encourages people to ...

Mahmood MirzaAdvocate, Journalist, Writer

I do not know how to praise.

Thomas KrincILO Consultant

A highly competent Institution with a most impressive design and operation.

Ms. Leslie BarcusPresident - Microfinance Management Institute, Washington DC

Akhuwat inspires in its entrepreneurial methodology of micro-credit delivery. The organization commendably demonstrates the simultaneous achievement of community based participation, ...

Gaama Hishigsuren, PhDDirector Research and Development - Institute for Development Evaluation Assistance and Solutions, Georgia, USA

Akhuwat is one of the most innovative microfinance models. It is most cost effective because of the creative use of ...