Microfinancing Programs
Enabling economic independence through interest-free small business loans. Our microfinancing program provides entrepreneurs with capital ranging from PKR 75,000 to 300,000 to start or grow their businesses, adhering to Islamic financial principles.
Why Interest-Free Loans?
Our microfinancing program is based on the Islamic principle of Qarz-e-Hasana (benevolent loan). We believe that entrepreneurship should not be burdened with interest charges. This approach allows entrepreneurs to focus on growing their businesses without the pressure of compounding interest, making repayment manageable and success more achievable.
Shariah Compliant
No Hidden Fees
Ethical Finance
Our Loan Tiers
Three flexible loan options designed to meet different business needs and growth stages
Tier 1
Ideal For:
- Home-based businesses
- Street vendors
- Small retail shops
- Handicraft businesses
- Food preparation services
Perfect for starting small-scale businesses or expanding existing micro-enterprises. This entry-level loan helps entrepreneurs take their first step towards financial independence with manageable repayment terms.
Loan Features:
- Interest-Free Loan (Qarz-e-Hasana)
- Flexible Repayment Period (12-18 months)
- No Hidden Charges or Fees
- Business Mentorship Support
- Financial Literacy Training
- Minimal Documentation Required
Tier 2
Ideal For:
- Expanding retail businesses
- Service-based enterprises
- Small manufacturing units
- Agricultural ventures
- Transport services
Designed for growing businesses that need additional capital to expand operations, purchase inventory, or invest in equipment. This mid-tier loan supports entrepreneurs ready to scale their ventures.
Loan Features:
- Interest-Free Loan (Qarz-e-Hasana)
- Extended Repayment Period (18-24 months)
- No Collateral Requirements
- Business Growth Consultation
- Marketing and Sales Training
- Quarterly Progress Reviews
Tier 3
Ideal For:
- Established small businesses
- Equipment purchases
- Workshop/factory setup
- Inventory expansion
- Business diversification
Our premium loan tier for established entrepreneurs looking to significantly expand their business operations. This substantial funding enables major investments in infrastructure, inventory, or business diversification.
Loan Features:
- Interest-Free Loan (Qarz-e-Hasana)
- Long-term Repayment (24-36 months)
- Comprehensive Business Support
- Advanced Training Programs
- Networking Opportunities
- Priority Business Consultation
Eligibility Criteria
Basic requirements to apply for our microfinancing program
Pakistani citizen with valid CNIC
Age between 18-60 years
Clear business plan or existing business
No outstanding loans from other organizations
Ability to provide guarantor
Commitment to Shariah-compliant business practices
Application Process
Simple 5-step process to get your business loan
Initial Inquiry
Contact us or visit our office to express interest
Documentation
Submit required documents and business plan
Evaluation
Our team reviews application and conducts interview
Approval
Loan committee reviews and approves eligible applications
Disbursement
Funds are released after agreement signing
Support Our Microfinancing Fund
Your contribution helps entrepreneurs start and grow businesses. Every donation is given as an interest-free loan and returned to help more people.
Sadaqah Jariyah (Continuous Charity)
Your donation creates a revolving fund that helps multiple entrepreneurs over time
🔒 All donations are secure and 100% transparent
Empowering Entrepreneurs, Building Futures
Since launching our microfinancing program, we have empowered over 200 entrepreneurs with interest-free loans totaling PKR 25 million. These loans have created sustainable livelihoods, generated employment opportunities, and helped families achieve economic independence. With an 85% success rate, our program demonstrates that ethical financing combined with proper mentorship can transform lives and strengthen communities.