Akhuwat Islamic
Microfinance (AIM)
What is Microfinance?
Microfinance refers to the provision of financial services to deserving and low-income individuals. Promoting financial inclusion, Microfinance Institutions (MFI) provide small loans to excluded and marginalized people to promote self-sufficiency among them while following ethical lending practices.
Akhuwat’s Impact in Numbers
431BPKR
DISBURSED IN INTEREST-FREE LOANS
99.84%
RECOVERY RATE
891+
BRANCHES
623K
ACTIVE LOANS
440+
CITIES
3.82M+
Total Benefiting Families
Data Collected As of Aug 31, 2026
Akhuwat Islamic Microfinance (AIM)
Akhuwat Islamic Microfinance (AIM) was founded in 2001 as a tool for poverty alleviation. AIM provides interest-free loans (Qarz-e-Hasan) to individuals and families who are deprived of financial resources and supports them in creating sustainable pathways out of poverty.
Operating across Pakistan, Akhuwat’s microfinance program is the world’s largest interest-free microfinance program having empowered over 3.7 million families.
Enterprise loans for supporting small-scale businesses
Agriculture loans for small-scale farmers
Housing loans for repair or construction
Akhuwat Islamic Microfinance (AIM) - Envisioning a Poverty-free Society through Financial Inclusion
Akhuwat Loan Process
Akhuwat Islamic Microfinance (AIM) provides loans to applicants after following specific eligibility criteria, conducting social and business appraisals of potential beneficiaries, and enlisting guarantors for loan disbursement.
Application
Appraisal
Approval
Stories of Hope and Inspiration
How AIM Beneficiaries Change Their lives!
“Before starting my business, I was a taxi driver, and despite working sixteen hours straight, my income wasn't enough to support my family. One day my neighbor told me about the Akhuwat interest-free loans program. I applied and within a few days, I received the loan amount. With this amount, I purchased inventory and started my own business. Praise be to Allah! Within a short period, I started making a profit and not only did my income increase but I was also able to provide a better life for my family.”
Inamullah, Lakki Marwat (KPK)
“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
“Before starting my business, I was a taxi driver, and despite working sixteen hours straight, my income wasn't enough to support my family. One day my neighbor told me about the Akhuwat interest-free loans program. I applied and within a few days, I received the loan amount. With this amount, I purchased inventory and started my own business. Praise be to Allah! Within a short period, I started making a profit and not only did my income increase but I was also able to provide a better life for my family.”
Inamullah, Lakki Marwat (KPK)
“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
Testimonials
“Wish you every success in the future. In the words of Dr. Akhter Hameed Khan “You are building an island and Inshallah, this will multiply and one day become a movement.”
Mr. Shoaib Sultan Khan
Chairman National Rural Support Programme (NRSP)
"Akhuwat is truly inspiring and an important reminder of what the microfinance sector can and should do for disadvantaged people in the world."
Ms. Barbara Zadina
Consultant, Shore Bank
“Your “cost-cutting” methodology is very inspiring for us. I hope to visit you again soon.”
Eric Duflos
Microfinance Specialist, Consultative Group to Assist the Poor (CGAP)
“Akhuwat demonstrates the simultaneous achievement of community-based participation, respect for cultural beliefs and practices and excellence in operational and financial performance.”
Ms. Leslie Barcus
President Microfinance Management Institute, Washington DC, USA
“I think Akhuwat’s use of the mosque as a place to do socially relevant activities seems to be very innovative. I also quite liked your attitude towards the interest rates and service charges.”
Professor M. S. Sriram
Indian Institute of Management, Vastrapur, Ahmadabad, India
“Akhuwat’s Islamic microfinance project is very innovative & addresses several important issues in current microfinance in Pakistan.”
Piotr Korynski
Programme Director, Open Society Institute (OSI) USA
“A highly competent Institution with a most impressive design and operation.”
Thomas Kring
ILO Consultant
Akhuwat Islamic Microfinance