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


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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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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Khwajasira 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.

Health Clinic

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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Food Bank

Akhuwat Food Bank is an initiative that aims to inculcate empathy and compassion in the affluent segment of the society towards the underprivileged. This program aims to encourage the resourceful people with abundant food to donate the surplus to those who often sleep with an empty stomach. For this purpose. Akhuwat collects the food and distributes it among the impoverished through its Food Bank. It also aims to curtail the enormous wastage of food from marriage halls and food outlets by collecting excess food at the end of the day and distributing it among the needy with responsibility and ensuring the sanctity of human dignity.


Progress Report (May 19, 2018)

Total Benefiting Families 2,658,984
Total loans disbursed – Males 1,540,727
Total loans disbursed – Females 1,118,257
Amount Disbursed PKR 61,290,729,437
Percentage Recovery 99.91%
Active Loans 921,344
Outstanding Loan Portfolio PKR 14,541,594,037
Number of Branches 789

Cost Structure

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





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