Dignity Over Charity
We provide interest-free Qarz-e-Hasna small loans, not hand-outs. Beneficiaries build sustainable enterprises and repay their loans with self-respect.
HEWT Foundation — Since 2012
Let's end poverty, one by one.
Empowering women and families through interest-free loans to build businesses, restore dignity, and achieve self-sufficiency.
- 100% interest-free (Qarz-e-Hasna)
- SECP registered (Section 42)
- 100% cashless disbursement
5,000+
beneficiaries empowered nationwide through interest-free loans
5,000+
Families Empowered
100%
Maintaining Repayment Rate
PKR 24K – 72K
Interest-Free Loan Size
0% Markup
Pure Qarz-e-Hasna
Who We Are
Breaking the Cycle of Intergenerational Poverty
HEWT Foundation (established in 2012 as Human Empowerment and Welfare Trust) is a licensed Section 42 non-profit registered with SECP Pakistan, providing dignity-first financial inclusion.
100% Cashless Transparency
Funds are disbursed directly to vendors for raw materials and assets, eliminating cash leakage and ensuring 100% productive utilization.
Women at the Center
Over 70% of our beneficiaries are women running home-based tailoring, grocery shops, and handicrafts businesses supporting their families.
Our Programs
Small Loans. Lasting Change.
Tailored micro-financing streams that take beneficiaries from basic vulnerability to thriving economic self-reliance.
EVOLVE
Vocational Skill & Enterprise Incubation
Empowers youth and artisans with technical training and equipment loans to start their own profitable ventures.
Learn more →
EMPOWER
Micro-Business Expansion Loans
Working capital loans for existing micro-entrepreneurs to purchase stock, machinery, and livestock to scale their income.
Learn more →TRANSFORM
Women Financial Inclusion
Dedicated interest-free financing for female home-based artisans, embroidery specialists, and dressmakers.
Learn more →Financial Model
How is Qarz-e-Hasna different from Micro Financing?
Qarz-e-Hasna and microfinancing are both financial assistance mechanisms, but they differ significantly in terms of their principles, objectives, and operation.
Qarz-e-Hasna
Micro Finance
Interest-Free
Qarz-e-Hasna is an interest-free loan provided typically within a community or charitable context. The lender does not charge any interest on the borrowed amount.
Interest-Bearing
Microfinancing involves providing small loans to individuals or small businesses, typically in underserved or low-income communities. These loans come with interest rates and are provided by microfinance institutions (MFIs).
Charitable and Benevolent
It is primarily based on the principles of charity and benevolence. The focus is on helping those in need without seeking financial gain in return.
Financial Inclusion
Microfinancing aims to promote financial inclusion by providing access to credit and financial services to those who are excluded from traditional banking systems.
No Profit Motive
The lenders expect the borrowed amount to be returned but without any interest. The primary motivation is to assist the borrower rather than earn a financial return.
Profit-Oriented
Microfinance institutions are usually for-profit organizations. They charge interest on loans to cover operational costs and generate income.
Enterprise Empowerment
HEWT's Qarz-e-Hasna for Small Business Establishment
HEWT's Qarz-e-Hasna program is dedicated to supporting the establishment of small businesses for individuals, with an emphasis on supporting women while also extending this opportunity to men — all of whom must meet HEWT's criteria for deserving applicants. The program is designed to empower financially disadvantaged individuals who have the potential to run small businesses and are committed to returning the borrowed amount through easy 12 monthly installments.
Key elements of this initiative
Financial Assistance for the Deserving
Entrepreneurial Potential
Integrity and Repayment Commitment
Supporting Small Businesses
Empowering the Disadvantaged
Focused on Deserving Applicants
12 Monthly Installments
Empowering Through Entrepreneurship
HEWT's Qarz-e-Hasna program for small business establishment is centered on financially disadvantaged individuals who possess the capability to operate small businesses and have the integrity to fulfill their repayment commitments. This initiative aligns with HEWT's mission of fostering economic empowerment and self-reliance within deserving communities.
Donor Presentation
Watch How Your Support Transforms Lives
An inside look at HEWT's cashless model, revolving fund mechanism, and transparent governance across Pakistan.
The HEWT Qarz-e-Hasna Model
Discover how your contribution becomes part of a perpetual revolving fund that lifts family after family out of poverty.
- 100% Cashless disbursement directly to equipment vendors
- 100% Historical recovery rate maintained with zero interest charged
- Fully traceable donor reporting and SECP Section 42 compliance
- Mentorship-first incubation ensuring business viability
Footprint
A Growing Qarz-e-Hasna Network Across Three Provinces
Serving urban and rural micro-entrepreneurs across Sindh, Khyber Pakhtunkhwa, and Punjab.
South Zone
Sindh Province
- Karachi (Head Office & Multiple Clusters)
- Thatta & Badin Coastal Communities
- Tharparkar Desert Rural Clusters
- Sukkur & Upper Sindh Hubs
40% of Total Disbursements
North Zone
Khyber Pakhtunkhwa
- Peshawar City & Artisan Bazaars
- Mardan & Swabi Agricultural Belts
- Charsadda Handloom & Footwear Clusters
- Swat & Chitral Mountain Communities
35% of Total Disbursements
Central Zone
Punjab Province
- Lahore Garment & Small Industrial Hubs
- Faisalabad Textile & Looms Clusters
- Multan & Southern Punjab Artisans
- Rawalpindi & Jhelum Micro-Enterprises
25% of Total Disbursements
Get Involved
What We Want From You?
Join our movement rooted in dignity, trust, and accountability. Five meaningful ways you can help end poverty, one by one.
Fund a Future
Sponsor a micro-entrepreneur or livelihood initiative. Every contribution is fully traceable through our web-based portal, allowing donors to see exactly how their support transforms lives.
Sponsor a FuturePartner With Us
Align your CSR strategy with sustainable economic empowerment. We work with corporations, family offices, and institutions to co-create high-impact livelihood programs.
Partner With UsAdvocate & Share
Amplify the stories of resilient entrepreneurs who simply need a fair opportunity. Follow our social channels, share our work, and champion interest-free small finance.
Share OnlineVolunteer Your Skills
Offer training, mentorship, or operational expertise to emerging micro-enterprises. Your professional skills can unlock new growth avenues for small business owners.
VolunteerIn-Kind Tools & Equipment
Contribute sewing machines, commercial kitchen tools, agricultural equipment, or workshop machinery directly to vetted entrepreneurs to jumpstart their business.
Donate ToolsCollaborations
Institutional Partners
Working hand-in-hand with leading technical institutes and welfare organizations across Pakistan.
Memom Industrial & Technical Institute
The Hunar Foundation
IDSP Pakistan
The NGO World Foundation
Get In Touch
We Are Ready to Connect
Have questions about our programs, governance, or partnership opportunities? Reach out to our Pakistan team.
Head Office
M-2, Mezzanine Floor, EOBI House, Awami Markaz, Shahrah-e-Faisal, Karachi
SECP Section 42 Licensed Non-ProfitPhone & Support
Cell / WhatsApp: +92 331-4330301
Landline: 021-34330301
Mon – Fri: 9:00 AM – 5:00 PM PKT