Akhuwat Loan Foundation – Pakistan ki Sab Se Bari Muft Qarza Dene Wali NGO

Akhuwat Loan Foundation Introduction

Akhuwat Loan Foundation Pakistan ki sab se mashhoor aur kamyab non-profit organization hai jo gareebon ko interest-free loans de kar un ki zindagi badalne ka kaam karti hai. Iska aghaz 2001 mein Dr. Amjad Saqib ne kiya tha. Pehla qarza sirf Rs. 10,000 ka diya gaya tha, lekin aaj yeh NGO 150+ billion rupees se zyada muft qarzay de chuki hai.

Akhuwat ka mission hai: “Kisi bhi shakhs ko gareebi ki lakeer ke neechay na rehne diya jaye.”

Akhuwat Loan History

• 2001: Pehla qarza Rs. 10,000 Lahore se diya gaya.
• 2003: Pehli Akhuwat branch banayi gayi.
• 2005–2010: Nationwide expansion, government collaboration start hui.
• 2012: Akhuwat College aur Schools ka aghaz.
• 2021: 20 saal mukammal hue; Akhuwat ne 4.8 million se zyada loans distribute kiye.

Akhuwat Loan Foundation K Kon Kon Se Programs Hain?

Akhuwat ke programs zindagi ke mukhtalif pehluon ko cover karte hain:

1. Akhuwat Microfinance (Muft Qarza)

Purpose: Logon ko apna karobar shuru karne ke liye interest-free qarzay dena.

Eligibility:

• Valid CNIC
• 18–62 saal ki umr
• Economically active
• No criminal record
• Good moral character
• Two non-family guarantors
• Resident within 2–2.5 KM of branch

Note: Kuch projects ka criteria mukhtalif ho sakta hai.

Lending Methodology:

• Group Lending: 3–6 logon ka group, jo ek dosray ki guarantee dete hain.
• Individual Lending: Applicant do guarantors ke sath loan hasil karta hai.

Features:

• Qarza: Rs. 10,000 se Rs. 100,000+
• Baghair sood (0% interest)
• 12–36 mah ki asaan qistain

2. Akhuwat Education Services – Taleem Ka Haq Har Kisi Ke Liye

Akhuwat yeh manta hai ke agar kisi qaum ne taraqqi karni hai to usay taleem zaroori hai. Is liye Akhuwat Loan Foundation ne “Education as a right, not privilege” ka nara diya. Akhuwat ke education projects ka maqsad yeh hai ke ghareeb aur deserving students ko quality education muhayya ki jaye – woh bhi bilkul muft.

Akhuwat Colleges & University

• Akhuwat College University (ACU) ka aghaz Kasur se hua jahan students ko hostel, tuition, uniforms aur books sab kuch free mein diya jata hai.
• Yeh students woh hain jo matric mein top karte hain magar fees afford nahi kar sakte.

Akhuwat Schools

• Poor areas mein Akhuwat Model Schools banaye gaye hain jahan free education, books, uniforms aur khanay ka intezam hota hai.
• Schooling ka standard Cambridge-level hai lekin tamam kharch Akhuwat uthata hai.

Scholarship & Mentorship Programs

• Intermediate, graduation, aur master’s level students ke liye scholarships aur mentorship support milti hai.
• Teacher training aur capacity building bhi in programs ka hissa hai.

Update (2025):
Akhuwat ne 2025 mein Gilgit-Baltistan aur Interior Sindh mein naye education centers ka aghaz kiya hai. Saath hi, online tadris ka platform “Akhuwat Virtual Classroom” bhi launch kiya gaya hai.

Admission Open

Akhuwat College, Kasur is now accepting admission applications for its BS Information Technology program 2025–2029 session.

As a premier institution providing fee-free, quality education to talented students from deserving backgrounds across Pakistan.

The college offers fully residential, fee-free 4-year degree program in Information Technology designed to equip students with the knowledge and skills needed to become competent professionals in their chosen fields.

To apply: https://nts.org.pk/…/Akhuwat_May2025_Online/Akhuwat.php

Application Deadline: 30th June, 2025

3. Akhuwat Health Services

Purpose: Muft ya subsidized ilaj un logon ke liye jo hospitals afford nahi kar sakte.

Facilities:

• Akhuwat Health Clinics in Lahore, Karachi, Multan etc.
• OPD, lab test, basic treatment muft
• Medicines discounted ya free

Eligibility: Low-income background aur CNIC required

4. Akhuwat Clothes Bank

Purpose: Used lekin saaf aur layak kapray ghareeb logon tak pohanchana.

Features:

• Donations se kapray ikattha kiye jaate hain
• Properly dry-cleaned
• Ghareeb families ko dignity ke sath diye jaate hain

5. Akhuwat Housing Scheme – Apna Ghar, Apna Khwab

Akhuwat Loan Foundation ka yeh program un logon ke liye hai jo apna chhota sa ghar banana chahte hain lekin sood par qarza nahi lena chahte. Akhuwat unhein muft qarzay deta hai taake wo apna ghar bana saken.

Program Ki Tafseel:

• Eligibility:
  • Apke paas khud ka plot ya zameen honi chahiye
  • Zameen par construction possible ho
  • Ap low-income group se belong karte hon
• Qarza ki Miqdar:
  • Rs. 50,000 se Rs. 500,000 tak
  • Repayment time: 2–5 saal
  • 0% interest (muft qarza)
• Tameer k liye madad:
  • Technical guidance
  • Construction experts se mashwara
  • Material selection mein support

Update (2025):
Punjab aur KPK ke chand ilaqon mein Akhuwat ne low-cost housing colonies ka plan tayar kiya hai jahan collectively ghar banaye ja rahe hain aur phir deserving logon ko handover kiya ja raha hai. Is model ko “Joint Ownership Housing” kaha gaya hai.

6. Akhuwat Khwajasira Support Program – Barabari Ka Haq

Transgender (Khwajasira) community Pakistan mein sabse zyada social aur economic discrimination ka shikaar hai. Akhuwat ne pehli baar in logon ke liye ek mukammal aur izzatdaar program launch kiya.

Program Ke Main Points:

• Monthly Stipends: Har eligible khwajasira ko mahana financial assistance
• Business Support: Khud ka kaam shuru karne ke liye qarza diya jata hai
• Medical Camps: Regular health checkups, tests aur awareness campaigns
• Training: Tailoring, beauty parlor, cooking jese skills mein free training

Update (2025):
Ab Akhuwat ne “Trans Empowerment Hub” Lahore mein establish kiya hai jahan khwajasira logon ko technical training ke sath counseling aur legal guidance bhi muhayya ki ja rahi hai.

7. Akhuwat Women Empowerment Program – Khatoon Banay Khud-Mukhtaar

Akhuwat ka yeh program khaas tor par low-income khawateen ke liye design kiya gaya hai jinka maqsad yeh hai ke wo kisi par dependent na rahain.

Main Features:

• Women-Only Loans: Karobar ya skills seekhne ke liye Rs. 10,000 se Rs. 100,000 tak muft qarza
• Skill-Based Training:
  • Sewing machines aur silai ka course
  • Food processing & cooking training
  • Handicraft aur embroidery training
• Women Business Networks: Ek dosray se collaboration ka moka

Update (2025):
Akhuwat ne ab Home-Based Women Entrepreneurs Program shuru kiya hai jismein women apne ghar se business start kar sakti hain aur unki online marketing mein bhi madad ki ja rahi hai.

8. Akhuwat Training & Capacity Building – Rozgar Ka Naya Rasta

Pakistan mein youth ki taadaad zyada hai, lekin jobs kam. Akhuwat is challenge ko training-based employment ke zariye address kar raha hai.

Program Highlights:

• Free Technical Courses:
  • Mobile repair
  • Electrician training
  • Beautician course
  • Tailoring / dress designing
  • Computer & IT skills
• Internships aur Job Placement:
  • Training ke baad youth ko jobs dhoondhne mein madad
  • Kuch programs mein Akhuwat khud bhi hiring karta hai
• Trained Professionals Ka Database:
  • Jo log training le chuke hain unka ek record maintain hota hai taake employers contact kar saken

Update (2025):
Akhuwat ne Skill4Work initiative start kiya hai jismein freelancing aur e-commerce training bhi shamil ki gayi hai. Online earning ka concept ab formally introduce ho gaya hai.

Akhuwat Loan Apply Karne Ka Tarika

Akhuwat Loan Application Process:

• Branch visit with CNIC, photos, utility bill, Nikahnama (if required)
• Social & business appraisal
• Second appraisal by Branch Manager
• Loan Approval Committee (LAC) reviews case
• Fund request to head office
• Loan disbursement through event (mosque/church)
• Recovery & follow-up through monthly visits

Akhuwat Loan Documents Required:

• CNIC copies (applicant, guarantors)
• Utility bills
• Passport size photos
• Nikahnama (optional)

Social Appraisal – Akhuwat Loan

Social appraisal ka maqsad yeh hota hai ke applicant (qarza lenay wale shakhs) ke kirdar aur uski imandari ko check kiya jaye. Is ke liye Akhuwat ka unit manager us shakhs ke ghar ka visit karta hai aur kuch mukhtalif tareeqay se uski jaanch partaal karta hai. Jab loan ki application receive hoti hai, to yeh process shuru kar diya jata hai.

Yeh jaiza lene ke liye neeche diye gaye tareeqay istemal kiye jate hain:

1. Pehle se qarza lene walon se maloomat lena:
   Unit manager un logon se baat karta hai jo pehle Akhuwat se qarza le chuke hote hain, taake applicant ke baare mein un ka tajurba samjha ja sake.
2. Applicant ke rehne ka andaaz (living style):
   Ghar ka halat, saaf-safai, aur zindagi guzarnay ka tareeqa dekh kar andaza lagaya jata hai ke applicant kis level ka lifestyle rakhta hai.
3. Humsayon ke raaye (neighbors’ views):
   Ghar ke qareebi logon se poocha jata hai ke applicant kaisa shakhs hai – imandar hai ya nahi, kisi buray kaam mein to shamil nahi.
4. Zati mulaqat ya family interview:
   Applicant se seedha interview liya jata hai, kabhi kabhi uske ghar walon se bhi baat ki jati hai taake yeh dekha ja sake ke family bhi loan ke baare mein jaanti hai aur kya woh support karti hai.

Note: Akhuwat ki koi online application facility abhi available nahi.

🧮 Business Appraisal – Akhuwat Loan

Business Appraisal ka maqsad hota hai ke loan lene wale shakhs ke business plan ka jaiza liya jaye. Yeh dekha jata hai ke uska business idea waqai kaam ka hai ya nahi, kya yeh ghar ke kharchon ke ilawa itni aamdani de sakta hai ke loan ki wapsi mumkin ho.

💡 Business Appraisal ke steps:

1. Business Plan ka Ghoor se Jaiza (Scrutiny):
   Applicant ka business idea aur plan detail mein check kiya jata hai. Agar plan kamzor ho to unit manager usay behtar banane mein madad karta hai.
2. Income & Expenses ka Analysis:
   Yeh dekha jata hai ke applicant ka business itna paisa kama sakta hai ke woh apne ghar ka kharcha bhi utha sake aur loan bhi wapas kar sake.
3. Family Involvement:
   Applicant ke ghar walon se bhi mulaqat ki jati hai taake ensure kiya ja sake ke unhe loan ke baare mein pata hai aur woh business idea ko support karte hain.

🔍 Second Appraisal – Doosri Tehqiqat

Jab unit manager pehla appraisal complete kar leta hai to application Branch Manager ko send ki jati hai. Branch Manager applicant, uski family, aur guarantors se dobara mulaqat karta hai aur poori process ka second review karta hai.

👥 Guarantors of Loans – Zamin Ka Kirdar

Individual Loan ke case mein applicant ko do zamin dena zaroori hota hai jo uski achi reputation ka zamin banay aur ye zimmedari le ke borrower waqt par qarza wapas karega.

Group Loan ke case mein 3 se 6 logon ka group hota hai jo ek dosray ke zamin ban kar mutual guarantee provide karte hain.

📝 Loan Approval Committee (LAC) – Loan Ki Manzoori Ka Marhala

Har Akhuwat branch mein aik Loan Approval Committee (LAC) hoti hai:

• Chairman: Area Manager
• Members: Unit Managers & Branch Manager

Yeh committee har application ko review karti hai. Agar sab kuch theek ho to loan approve kar diya jata hai. Yeh poora process takreeban 3 se 4 haftay leta hai.

💸 Fund Request to Head Office – Funds Ki Darkhwast

Jab loan LAC se approve ho jata hai to branch Regional Manager ke zariye Head Office se paisay ki darkhwast karti hai. Head office fund transfer ki arrangement karta hai.

Read More: Agar aap Akhuwat ke ilawa doosre Low interest loan programs mein bhi interested hain to aap RCDP Loan Programs Apply Online page bhi zaroor dekhein.

🏦 Loan Disbursement – Qarza Dena

Loan har mahine ek baar distribute hota hai. Disbursement ke liye event mosque ya church mein arrange kiya jata hai:

• Individual Loan: Applicant ko kam az kam ek guarantor ke sath ana zaroori hai.
• Group Loan: Pura group us waqt mojud hona chahiye.

💳 Paisay kis tarah miltay hain?

• COC (Cash Over Counter): Bank ke counter se cash hasil hota hai.
• Bank Transfer: Kabhi kabhi paisay directly applicant ke bank account mein bhi transfer kiye jate hain, depending on scheme.

Note: Akhuwat kisi aur suitable tareeqe se bhi disbursement kar sakta hai agar zarurat ho.

🧭 Social Guidance – Samaji Rehnumai

Disbursement ke event par Social Guidance bhi di jati hai taake log ethical aur Islami tareeqon ke mutabiq apna karobar kar sakein.

⚖️ Guidance Topics Mein Shamil Hai:

• Larkiyon ki taleem ka farogh
• Muashray ki khidmat
• Mahol ki behtari aur hifazat
• Darakht lagana
• Traffic aur local laws ki pabandi
• Tijarat mein imandari aur ikhlaqi usoolon ka ihtimam

🔄 Recovery & Follow-up – Qarz Ki Wapsi Ka Amal

Loan milne ke baad unit manager applicant ke business ka visit karta hai:

• Har mahine 7 tareekh tak qist wapas karni hoti hai.
• Agar 10 tareekh tak payment na ho to unit manager yaad dehlata hai.
• Phir bhi na ho to guarantors se rabta kiya jata hai aur unse repayment ka kaha jata hai.

Loan Summary Table:

Akhuwat Loan Foundation Branches

Akhuwat Loan Foundation ki 800+ branches Pakistan ke lagbhag har sheher mein mojud hain:

• Lahore
• Karachi
• Multan
• Faisalabad
• Islamabad
• Peshawar
• Quetta
• Aur chhoti cities & towns

Akhuwat Contact Information

• Website: https://www.akhuwat.org.pk
• Phone: 042-111-448-464
• Email: info@akhuwat.org.pk
• Head Office: 19 Civic Center, Sector A2, Township, Lahore, Pakistan

Conclusion

Akhuwat Loan Foundation Pakistan ka fakhar hai. Iska model poori duniya mein manaa gaya hai. Agar aap ya aap ke jaane wale kisi mushkil mein hain, to Akhuwat Loan Foundation aap ke liye ek umeed ka chiragh ban sakta hai.

Read More: Are you a registered beneficiary of the Benazir Income Support Programme (BISP)? Great news! The latest BISP 13500 Qist 2025 is being released starting Monday across various provinces and districts of Pakistan… This installment includes not only the new amount of Rs… 13500 but also pending educational stipends and any previously missed payments.

FAQs – Akhuwat Loan Foundation Se Mutaliq Sawalat