Programs

Over the years as our interaction with the community deepened, we realized that we were required to put in greater effort for a poverty-free society to be made a reality. Poverty is not only the absence of financial resources, but encompasses all domains of life including health, education and social security.

We have ventured into different spheres such as education and health to enhance the living standard of millions

Microfinance

Akhuwat derives its name from ‘MuaKhat’ or brotherhood. The earliest example of this brotherhood was seen in the fraternity formed by the Ansars (citizens of Medina) and the Muhajireen (citizens of Mecca) that migrated to Medina to escape religious persecution. The concept materialized in 2001 with the first interest free loan given to a widow. The loan was returned after 6 months with a message to keep the cycle going.

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Education

Most of our efforts pertaining to this program involve studying new approaches and developing innovative ways to implement them. We evaluate our success in this field by gathering qualitative and quantitative data, and using that information to measure shifts and changes from our baseline measurements.

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Clothes Bank

The clothes are collected from families, they are repaired, washed / dry cleaned and packed. All these tasks are carried out by members of the transgender community who have been wronged by society numerous times. Akhuwat has worked towards ensuring they get a respectable platform as working employees. The packed clothes are then given as gifts to the needy.

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Akhuwat Institute Of Social Enterprise & Management

AISEM specializes in the provision of customized trainings which are based upon comprehensive training need analysis bridged with the needs and requirements of the concerned organization.

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Health

Akhuwat Health Services cater to the health needs of the deprived and destitute.  We have developed a network of low priced medical services by collaborating with different hospitals, clinics, diagnostic centers and pharmacies and have treated almost 265,000 needy patients free-of-cost..

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Khawaja Sira Support Program

Akhuwat has envisioned a society where members of the transgender community are treated as equals without any discrimination. A way of implementing this is by building a support system. This is done by using funds that empowers them socially, emotionally and economically. The program has several stages, starting with social engagement and provision of a small income supplement (Rs.1200) to the most vulnerable. In its final form, we, alongside Fountain House hope to be able to reintegrate the Khwaja Siras.

Impact

Progress Report (January 15, 2018)

PROGRESS INDICATOR TOTAL
Total Benefiting Families 2,382,167
Total loans disbursed – Males 1,385,143
Total loans disbursed – Females 991,735
Amount Disbursed PKR 53,139,182,837
Percentage Recovery 99.95%
Active Loans 846,646
Outstanding Loan Portfolio PKR 13,751,730,664
Number of Branches 708

Cost Structure

Interest
zero
Loan Processing Fee
zero
Profit
zero
Application Fee
Rs. 100 – 200 per application
Mutual Support Fund
1% of loan amount (voluntarily)

YEAR WISE PROGRESS REPORT AT A GLANCE

 

Year

Indicators

No. of loans Amount Disbursed % of recovery Cities No. of branches No. of Employees
2001-2002            192             1,895,000 100% 1 1 3
2002-2003            282             2,791,300 99.90% 1 2 3
2003-2004            832             8,504,000 99.90% 1 4 12
2004-2005         3,124           31,811,000 99.90% 1 7 32
2005-2006         6,264           66,020,700 99.90% 6 11 50
2006-2007         8,674           89,935,600 99.80% 10 18 75
2007-2008        11,388         122,445,242 99.80% 10 20 76
2008-2009        13,821         164,226,000 99.80% 11 22 101
2009-2010        21,073         251,808,800 99.80% 24 36 186
2010-2011        34,194         418,211,100 99.80% 33 60 343
2011-2012        67,683       1,137,684,000 99.83% 105 81 615
2012-2013      159,138       2,580,467,000 99.82% 165 169 869
2013-2014      234,883       4,047,109,100 99.85% 219 271 1549
2014-2015      367,798       7,310,527,000 99.92% 233 357 2013
2015-2016      496,458     11,205,522,500 99.92% 291 500 3497
2016-2017      619,396     16,585,952,800 99.96% 386 683 5693