ANNOUNCEMENT: The final merit list for Intermediate students at Akhuwat College, Kasur is out now. ANNOUNCEMENT: The final merit list for Intermediate students at Akhuwat College, Kasur is out now. ANNOUNCEMENT: The final merit list for Intermediate students at Akhuwat College, Kasur is out now.

Akhuwat Stories

At Akhuwat, we believe in the transformative potential of human resilience and generosity. From small businesses that spark hope to students who get fee-free education, these stories are a testament to what can be achieved when communities come together in the spirit of compassion.

student
Nusrat Bibi

“In the beginning, I bought a small sewing machine, but it wasn’t sufficient as I had to do the work by hand. I needed a larger unit and when I heard about Akhuwat, I applied for a loan. With the first loan, I bought a large machine, then a second, and gradually expanded to eight sewing machines. I hired employees, rented a hall, and invited my younger brother from the village to join me to run the business. Over time, we grew more efficient and now we operate two factories where we make purses and sell them to different vendors.

Nusrat Bibi

Lahore, Punjab

“Before this business, I was a taxi driver, and despite working sixteen hours straight, my income wasn’t enough to support my family and improve my standard of living. One day, my neighbor told me about Akhuwat’s interest-free loan program; I applied for a loan and within a few days, I received the loan amount. With this amount, I bought shop supplies and started my own business. Praise be to Allah! Within a short period, I started making a profit, and was able to provide a better life for my family.

Inamullah

Lucky Marwat, Khyber Pakhtunkhwa

inamullah
Zarina Batool

“I use my embroidery skills to support my family. With a loan from Akhuwat, I repaired my embroidery machine and purchased more inventory. Gradually my business improved, and I started building my home and my own embroidery center. When I open my center, I will offer free lessons to young girls, especially those who are differently abled or face financial struggles. As a mother to a differently abled daughter, I know the importance of nurturing and empowering those who depend on us.

Zarina Batool

Skardu, Gilgit Baltistan

Akhuwat Impact Stories

Faiz Ur Rehman`s Journey
to Building a Home
Despite Being Differently
Abled

Dr. Hedayat Ullah.

“In 2018, I had the privilege of becoming the first student from Akhuwat College Kasur’s inaugural batch to be selected to pursue my MBBS. Today, I stand before you as Dr. Hedayat Ullah. The loving support of my parents, Akhuwat, fellow students, and dedicated teachers played an instrumental role in my journey. I am committed to serving the disadvantaged and advancing the mission of uplifting those in need.”

Dr. Hedayat Ullah.

Harnai, Balochistan

“After completing my intermediate education, financial challenges halted my dream of pursuing higher education. Akhuwat School of Hospitality and Tourism (AMSHT) provided the platform I was in dire need of. At AMSHT, I developed skills, gained confidence, and enhanced my talents and with Akhuwat’s continuous support, I completed my training without any hurdles. Today, I am proud to work in a prestigious establishment, Avari Hotel Lahore, in Food and Beverage Management. The time I spent at AMSHT has laid a strong foundation for my growth in the hospitality industry and inshAllah I will pass on my learnings to my peers.”

Muhammad Tafzeel

Alumni: 2022­-24 Graduate of Akhuwat Mushahida School of Hospitality and Tourism.

Chef Walam Amolakh

“As a result of my family’s financial constraints, my dream of pursuing higher education could not be achieved. To my relief, I heard about Akhuwat and found my interest in hospitality and tourism. From my chef coat to shoes, Akhuwat covered everything, and I committed to excelling in my academics. Now, I am professionally working at Okra which is a dream come true, and Akhuwat continues to support me in dreaming even bigger”

Chef Walam Amolakh

Umer Kot, Sindh.

“Coming from a family with major financial issues, I always thought that only people from strong financial backgrounds could afford higher education. However, I was determined to change my family’s condition and this was a dream I wasn’t ready to give up. I vividly remember the day I learned about Akhuwat College, Kasur; I could not believe that there is a college that offers quality education free of cost. This institute has made me believe that education is for everyone.”

Hafiz Osama Bashir

Dera Ismail Khan, Khyber Pakhtunkhwa,

Hafiz Osama Bashir
Malaika Akhtar

“After completing my intermediate studies, I wasn’t sure where to pursue higher education. Our financial situation was tough, and with my sister’s wedding coming up, it felt like my dreams were slipping further away. That’s when my father told me about Akhuwat. We completed the application process and submitted it online. Later, I received a call from a ma’am informing me that I had been accepted. I was so overjoyed, I didn’t know how to react. My father was equally thrilled and proud, saying, “You did it!”. There was a time when I couldn’t even talk to my family about the dream of going to university, but now, I’m in a position where I can financially support my family by working on various professional projects.”

Malaika Akhtar

Chakwal, Punjab

“I am the first person in my family who made it through higher education. Our financial situation was challenging. If my family paid for my education, they wouldn’t have been able to afford daily meals. Then, I found Akhuwat’s fully-funded scholarship. At first, I thought it was a joke, I couldn’t believe a university could offer free education, and residency, and cover all expenses. But it was not a joke. I was accepted, and my journey at Akhuwat College for Women in Chakwal began. Now, I’m professionally working at Akhuwat Parwaaz, gaining confidence and giving back to my community. My dream is to pursue a Ph.D. and help improve the education system in my region.”

Shazia

Quetta, Balochistan

Shazia
Inamullah

“Growing up in Gilgit, a small town with limited opportunities, I dreamed of pursuing higher education. Everything changed when my father discovered Akhuwat, where I earned a BS degree in English without the burden of fees. I also developed essential life skills through programs like Maimaar Youth Impact, 7 Habits of Highly Effective Teens, and the Amal Fellowship. After graduation, I began my career as an intern at AkzoNobel, which soon led to full-time role. Today, I’m proud to work as a Pricing Analyst at AkzoNobel, a journey made possible by the opportunities Akhuwat provided. Supporting my family financially is very relieving and I hope to grow more and create a difference.”

Narjis Ali

Gilgit, Pakistan

“Being a transgender, my past was a mountain of pain and hardship. Life today feels lighter and more bearable, but I believe true peace will come when society sees us as equals, as fellow human beings worthy of dignity and respect. The Unique Akhuwat Card has been a source of immense relief in my life. As someone living with diabetes, the card helps me access free medicine each month, easing the burden of daily survival.”

Naveed

Lahore, Pakistan

Naveed
Sanam

“Who would have thought that a Khwajasira like me would be able to visit the Kaabah one day?” Life has never been easy for us but after Umrah, I saw miracles happen. My brother, who had cut ties with me, had now accepted me for who I was. I was fortunate to find out about Akhuwat, an organization supporting so many people who had gone through similar hardships. What keeps me at peace is that at least we have each other, if not the world.”

Sanam

Lahore, Pakistan

“As a transgender individual, I often feel very isolated. I have no family, and I am confined to my home. Five years ago, I suffered an accident that left me with a broken spine, making it impossible for me to work. I eagerly await the Akhuwat medical camp every month, as it provides me with the chance to meet my friends. I am deeply grateful to Akhuwat for supporting us when no one else did.”

Najma

Lahore, Pakistan

Najma
Nadia

“ I was talking about Eid-ul-Adha with my friends, I needed clothes, it’s a day when almost everyone wears good clothes. Maybe, I was among the few who were unsure whether they will be able to wear good clothes or not. But now I am sure. I am going to remind my friends of my wish being fulfilled and surprise them.”

Nadia

Bhatta Village, District Lahore, Punjab.

“I am a widow and working as a domestic helper to feed the family. My daughters wedding ceremony approached and I became worried. I applied to Akhuwat Clothes Bank (ACB) for a wedding gift, and when my application was approved, I felt an immense sense of relief. I received a wedding lehnga, lamps, cooking utensils, a suitcase, and blankets. The support we received has eased my burden and brought tremendous joy to my daughter. Now, she can step into this new chapter of her life with dignity and happiness, thanks to Akhuwat”

Faiza

Johar Town, Lahore, Pakistan

Faiza
Sadiq Ali

The rains lasted for about three months. During that time, there were days when it poured relentlessly without pause. One time, we sat under a dripping roof for four consecutive days. The mill I worked at was closed, so we had no source of income. As if that was not enough, the foundation of our house gave way. Then began our days and nights under a tent. I would not wish such hardship on my worst enemy. Thank God, we have now built a stronger home for our family.”

Sadiq Ali

Dera Ghazi Khan, Punjab

“Our home stands as a testament to years of painstaking labor. When we first left our village for the city we had nothing of value. For the first few years, we lived with our relatives. I took numerous odd jobs to support our children’s education. Eventually, we moved to a rented house. With the passage of time, my children started working alongside their studies; one became a barber and the other a tailor. The entire family contributed to the family savings. We sold our buffalo and with money and our savings, we purchased a piece of land. On this land, we built our house with great effort and immense love. And when the rains started, witnessing it being ravaged was heart-wrenching. Thankfully, we undid most of the damage and have replaced our mud roof and walls with bricks and cement. The foundation of our house is now as strong as the faith that brought us here.”

Muhammad Ramzan

Khairpur, Sindh

Muhammad Ramzan
Abdul Aziz

“I’m a teacher. My eldest son has completed his intermediate studies, while the younger children are still in school. When the floods came their education was disrupted. The entire village was affected. Work ceased and we scrambled to find shelter. Sadly, many houses suffered severe damage including ours that collapsed during the heavy rain. Then, we heard about Akhuwat’s interest-free loans from others in our vicinity. We immediately applied and received the loan to build a new home for ourselves. Thankfully, normalcy has now resumed. I am grateful that my children no longer have to worry about their living conditions. Instead, they can focus on their studies, paving the way for their successful future.”

Abdul Aziz

Dera Ismail Khan, Khyber Pakhtunkhwa

Akhuwat Impact Stories

Turn your Empathy into Action

Our Work

Akhuwat Islamic Microfinance (AIM) has been the cornerstone of our efforts since its launch in 2001. To date, it has disbursed more than PKR 230 billion in interest-free loans to 4 million families across Pakistan. Beyond microfinance, Akhuwat also works in the field of education under the umbrella of Akhuwat Education Services (AES). With a network of schools and colleges, Akhuwat ensures that children from underserved communities have access to quality education. Other projects include Akhuwat Clothes Bank (ACB), Akhuwat Khwajasira Support Program (AKSP), Akhuwat Relief and Disaster Management Program (ARDM) and Akhuwat Community Development Program. All of Akhuwat’s initiatives work with the common objective of creating a poverty-free and prosperous society.

Akhuwat’s Impact in Numbers

DISBURSED IN INTEREST-FREE LOANS
300 .0BPKR
RECOVERY RATE
90 %PKR
DISBURSED IN INTEREST-FREE LOANS
250 .0BPKR
ACTIVE LOANS
565 KPKR
CITIES
390 +PKR
TOTAL NO. OF LOANS
5.8 PKR

Our Story

Before establishing Akhuwat, Dr. Saqib served in the Civil Services of Pakistan in the District Management Group (DMG). He also served as the General Manager of the Punjab Rural Support Program (PRSP). He had witnessed the devastating impact of poverty which encouraged him to dedicate his life to alleviating the suffering of the poor. One of Akhuwat’s initial loans was granted to a widow from Rasool Park where she was presented with Rs. 10,000 (USD 200 at the time) in the form of an interest-free loan. She bought herself two new sewing machines with this amount, earned a decent living, sent her children to school, and married her daughters in a simple wedding ceremony. She returned after 6 months to return the loan along with a request to give this money to someone else in need.

For the first eighteen months, Akhuwat didn’t have a proper office and was managed from a small cabin within the premises of PRSP. However, Mawakhat, the spirit of solidarity, and the commitment of the Akhuwat team persevered. More than two decades later, Akhuwat has disbursed more than PKR 230+ billion and opened offices in 350+ cities in Pakistan. Akhuwat has also spread its roots to other areas of life, such as education, healthcare, community development, and post-disaster rehabilitation.

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