South Zone
Sindh Province
- Karachi (Head Office & Multiple Slum Clusters)
- Thatta & Badin Coastal Fishing Communities
- Tharparkar Desert Rural Handicrafts Hubs
- Sukkur & Khairpur Date Farming Hubs
40% of Total Disbursements
Regional Network & Impact
Delivering interest-free small loans across urban slums, rural agricultural districts, and coastal communities in three provinces.
Provincial Clusters
Three Dedicated Regional Operational Zones
Our regional teams manage doorstep verification, vendor settlements, and ongoing support across diverse topographies.
North Zone
Khyber Pakhtunkhwa
- Peshawar City, Transport & Artisan Bazaars
- Mardan & Swabi Agricultural Belts
- Charsadda Handloom & Leather Footwear
- Swat & Chitral Mountain Craft Communities
35% of Total Disbursements
Central Zone
Punjab Province
- Lahore Garment & Small Cottage Workshops
- Faisalabad Weaving, Tailoring & Looms
- Multan & Southern Punjab Small Agribusinesses
- Rawalpindi & Jhelum Micro-Retailers
25% of Total Disbursements
Portfolio Analytics
Provincial Distribution & Enterprise Breakdown
Data from the HEWT Profile 2026-27 showing loan capital allocation and micro-business diversity.
Provincial Capital Distribution
| Region | Share | Active Clusters | Repayment Rate |
|---|---|---|---|
| Sindh (South Zone) | 40% | Karachi, Thatta, Badin, Tharparkar | 97.4% |
| KPK (North Zone) | 35% | Peshawar, Mardan, Swabi, Charsadda | 97.8% |
| Punjab (Central Zone) | 25% | Lahore, Faisalabad, Multan, Rawalpindi | 98.1% |
| Total / Average | 100% | Over 24 Districts | 97.6% Avg |
Supported Micro-Enterprise Sectors
Loans are distributed across high-demand, resilient local business categories:
32%
Tailoring, Embroidery & Garments
Primarily women entrepreneurs
26%
Small Retail & Kiryana Stores
Neighborhood staple goods
18%
Livestock & Dairy
Goats, cows, and poultry rearing
14%
Transport & Auto Rickshaws
Daily wage to self-ownership