Akhuwat Qarze Hasana - Interest Free Micro Lending

Akhuwat Qarze Hasana Believes In Alleviating Poverty Through

Empowering Lives Through Akhuwat Qarz-e-Hasna

Lend a helping hand and empower communities across Pakistan. Every contribution creates ripples of hope that transform lives and build a brighter future for families in need.

357+

Branches Across Pakistan

6.0M

Beneficiaries Supported Nationwide

153+

Schools Educating Over 47,000 Students

102B+

Total Loans Disbursed (PKR)

You Can Make a Huge Difference
by Donating Just a Little

Interest Free Loan for Housing

Interest Free Loan for Housing

For families who need to build or rebuild their homes, an interest free loan helps them provide a safe shelter for themselves and their loved ones. Our housing program has transformed thousands of families by giving them the dignity of owning a roof over their heads.

One House Loan = $5,300

Donate for Housing
Interest Free Loan for Business

Interest Free Loan for Business

Empowering families to transform their livelihoods by using interest free microfinance to start or expand their home based and small businesses. Our business loans have helped countless entrepreneurs turn their dreams into reality.

One Microloan = $250

Donate for Microloans
Sponsor a Child's Education

Sponsor a Child's Education

Providing fee free, quality education to students from all provinces of Pakistan through residential educational programs. Our schools and colleges are nurturing the next generation of leaders, thinkers, and changemakers.

Sponsor 1 Student Monthly = $125

Donate for Education
Healthcare Services

Healthcare Services

Dedicated to providing accessible and high quality healthcare to underserved communities across Pakistan. Through subsidized medicines, laboratory tests, and free consultations, our health services ensure families in need can access essential medical care.

Support Healthcare Programs

Donate for Health
Clothes Distribution Drive

Clothes Distribution Drive

Our Clothes Bank provides a dignified space for the needy to receive clothes with honor and care. Donors contribute pre loved clothes which are then repaired, washed, and dry cleaned before being distributed to families in need.

Donate Clothes or Funds

Support Clothes Bank
IT and Vocational Education

IT and Vocational Education

By providing accessible and quality technical education, our IT and vocational centers open doors to new opportunities. Students learn modern skills in computer science, web development, graphic design, and digital marketing.

Train One Student = $200

Support IT Education

A Non Profit Organization Built on Brotherhood

  • Transforming borrowers into donors through the power of compassion
  • Largest global crowdfunding community for interest free loans
  • Offering interest free loans with absolutely no collateral needed
  • Ensures societal inclusion regardless of religion, caste, color, or gender
  • Donations made to Akhuwat Qarze Hasana are tax deductible
  • Operating across 765+ branches with complete transparency

Akhuwat Qarze Hasana aims to empower its borrowers to become donors, thus contributing to the vision of a poverty free society. This concept is known as the "reciprocity of economy." When a borrower repays their loan and eventually donates to help another family, they become part of a beautiful cycle of generosity that strengthens communities.

Learn More About Us
Akhuwat Qarze Hasana team members
22+Years of Service

Transforming Lives, Serving Humanity's Hope

Akhuwat Qarze Hasana believes in charity backed by compassion, a deep sense of responsibility toward the underprivileged, and a bond of brotherhood between those who have and those who have not.

Charity

Our goal is to promote the spiritual and intellectual development of economically disadvantaged communities. We believe that true charity goes beyond financial help.

Volunteering

We are helping a family every four minutes. Together we can forge a better future for this world, free of poverty. Our volunteers are the backbone of our mission.

Compassion

Akhuwat Qarze Hasana believes in alleviating poverty through compassion and interest free micro lending. We treat every borrower as a brother or sister.

How Akhuwat Qarze Hasana Works

1

Apply for a Loan

Visit your nearest Akhuwat Qarze Hasana branch and submit a simple application form. Our team will guide you through every step.

2

Verification Process

Our dedicated team visits your home to understand your needs and verify your situation. We believe in trust over collateral.

3

Receive Your Loan

Once approved, you receive your interest free loan directly. The disbursement ceremony reinforces the sacred trust between lender and borrower.

4

Repay and Give Back

Repay your loan at your own pace and when you are able, become a donor yourself. This beautiful cycle is what makes Akhuwat unique.

Our Dedicated Leadership Team

AS

Founder and Chairman

Dr. Ahmad Saqib

AH

Global President

Mr. Azhar Hameed

NM

President

Dr. Noman Mufti

AA

Director Operations

Mr. Asim Ashary

FZ

Director Education

Ms. Fatima Zahra

SJ

Regional Ambassador

Mr. Shahid Jamil

What People Say About Us

"I am truly overwhelmed by the dedication and passion of Akhuwat Qarze Hasana. If ever I would join a philanthropic economic movement, this is the one. The way they treat their borrowers with dignity and respect is something that sets them apart from every other organization."

M

Muhammad Zulqarnain Amir

Registrar Cooperative Punjab

"I am deeply impressed with the commitment and sincerity of the Akhuwat Qarze Hasana staff. Their model of interest free lending based on trust and brotherhood is revolutionary. My best wishes for a strong and flourishing Akhuwat."

S

Syed Mohsin Ahmed

General Manager, Pakistan Microfinance Network

"Five years ago I received a small loan from Akhuwat Qarze Hasana to start a sewing business from my home. Today I employ three other women from my neighborhood and I have already repaid my loan. Now I donate regularly because I want other women like me to have the same chance."

A

Ayesha Khalid

Beneficiary and Now Donor

"Very interesting model and concept. The idea of converting borrowers into donors creates a self sustaining ecosystem of generosity. I have studied microfinance models across the globe and Akhuwat Qarze Hasana stands out for its unique approach."

S

Strauss Andrew

International Development Officer

Lives Transformed Through Qarze Hasana

From Borrower to Business Owner

Rashid Ali was a daily wage laborer struggling to feed his family of six. With a small interest free loan of 50,000 rupees from Akhuwat Qarze Hasana, he started a small fruit cart. Within two years, his business grew into a proper shop. Today he employs two helpers and has not only repaid his loan but also donates monthly.

Education Changes Everything

Saba Fatima was the first girl in her village to attend college, thanks to an Akhuwat Qarze Hasana education scholarship. Her father, a farmer with limited income, could never have afforded her tuition. Today Saba is a software engineer working at a leading technology company.

A Home for Every Family

After devastating floods destroyed their home, the Hussain family lived under a makeshift tent for months. Akhuwat Qarze Hasana provided them with an interest free housing loan that allowed them to rebuild their home. The family now lives in a sturdy two room house.

Frequently Asked Questions

Qarze Hasana is an interest-free loan provided as an act of charity. Akhuwat provides these loans to deserving families who repay them at their own pace, creating a revolving fund that helps more families.
Any Pakistani citizen who is in need of financial assistance can apply. Our team verifies each application through a home visit to ensure the loan reaches those who need it most.
We are funded entirely through donations from individuals, organizations, and philanthropists who believe in our mission of poverty alleviation through interest-free lending.
Our loan recovery rate is over 99.9%, which demonstrates the trust-based model works. Borrowers feel a moral and spiritual obligation to repay and help others.
Yes! We welcome volunteers from all walks of life. You can contribute your time, skills, and expertise to help us serve communities across Pakistan.
You can donate through our website, visit any of our branches, or contact us directly. All donations are tax-deductible and go directly toward helping families in need.

Our Collaborating Partners

APPNA
Muslim Americans Society
Oxford University Press
SANA
The City Foundation
University of Portsmouth
USAID
Visa Foundation
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