Dignity
We treat every applicant as a respected enterprise partner. Borrowers are never subjected to degrading procedures, and their identity is preserved with honour.
About HEWT Foundation
Empowering families across Pakistan through interest-free microfinance, restoring dignity, and fostering sustainable economic independence.
Organization Overview
Introduction
HEWT Foundation was established in 2012 under its original name, “HEWT – Human Empowerment and Welfare Trust,” and was duly registered under the Trust Act, 1882. At the end of June 2024, in order to strengthen governance, enhance transparency, and align with modern regulatory frameworks, the organization was re-registered with the Securities and Exchange Commission of Pakistan (SECP) as “HEWT Foundation” under Section 42 of the Companies Act, 2017, and began operating under this structure in July 2024. Based in Karachi, Pakistan, HEWT Foundation is a not-for-profit organization committed to ethical, structured, and sustainable social development.
Mission and Vision
Mission
To uplift vulnerable families by enabling them to start small businesses and become self-sustainable.
Vision
A world where every person has the opportunity to build a dignified life regardless of socio-economic status.
Guiding Principles
Our Core Values
The fundamental convictions that guide our team in every community visit, loan review, and partnership.
Integrity & 100% Cashless
We disburse 100% of loans directly to vetted suppliers for tools, livestock, or materials. No cash leaks, ensuring funds fulfill their productive intent.
Accountability
All loan cycles and repayments are logged on our web tracking system. Financial statements undergo rigorous third-party auditing for full donor confidence.
Inclusiveness
We actively serve women, rural families, and marginalized minorities in underserved regions across Sindh, KPK, and Punjab.
Sustainability
100% of recovered loan capital is returned to the revolving pool to fund the next awaiting family, generating perpetual social returns.
Mentorship-First
Capital without guidance is fragile. We provide hands-on business advice, budgeting coaching, and peer support to ensure enterprise success.
Our Philosophy
What is Qarz-e-Hasna?
An ancient ethical tradition of benevolence, interest-free lending, and shared community responsibility.
Zero Interest, Zero Hidden Fees
Unlike commercial microfinance institutions that charge 25% to 45% effective interest rates that trap vulnerable borrowers, HEWT charges exactly 0% markup and zero application fees.
Dignity Over Handouts
Charity can inadvertently foster chronic dependence. Qarz-e-Hasna transforms the relationship into one of trust, mutual respect, and reciprocal responsibility.
A Perpetual Revolving Gift
When a borrower repays their monthly installment, that money does not evaporate. It immediately funds the next micro-entrepreneur, compounding donor impact indefinitely.