Anchor Person
Trained community-level reps identify deserving applicants and verify social credibility.
Our Methodology
A transparent 5-step execution model grounded in dignity, doorstep due diligence, and 100% cashless accountability.
Execution Cycle
How We Do?
A community-based, tech-enabled 5-stage lifecycle for beneficiary verification, cashless disbursement, recovery, and impact monitoring with Takaful protection.
Screening
A nominal AF-01 application (PKR 250) filters serious applicants after eligibility checks.
Multi Tier Approval
System
Local, Zonal & Central Disbursement Committees ensure collective decision-making.
Cashless
Disbursement
Secure fintech (JazzCash) channels for disbursement and recovery fully traceable.
Sharia Compliant
Takaful
One-time PKR 200 contribution waives outstanding installments on a beneficiary's demise.
HEWT uses a community-based, tech-enabled process for beneficiary verification, cashless disbursement, recovery, and impact monitoring with Takaful protection.
Accountability
Why 100% Cashless Disbursement Matters
Eliminating leakage, protecting borrowers from coercion, and guaranteeing productive asset deployment.
Direct Vendor Settlement
Instead of handing cash to borrowers that might be consumed by family emergencies, HEWT settles directly with equipment manufacturers and suppliers.
Physical Asset Verification
Field supervisors confirm that machinery or livestock are physically installed and generating income before certifying the loan active.
Social Collateral & 100% Recovery
We do not demand land deeds or commercial collateral. Two reputable local guarantors and our grassroots Anchor Persons serve as social security, sustaining a 100% recovery rate.