Our Programs & Loan Calculator

Three specialized financing pathways taking micro-entrepreneurs from vulnerability to sustainable, dignified self-reliance.

Pathways to Self-Reliance

Three Impact Streams

Tailored micro-financing structures designed for vocational graduates, established micro-businesses, and female artisans.

EVOLVE program
Skill & Incubation

EVOLVE

Vocational Graduates to Independent Enterprise

Provides graduated technical trainees from partner institutes (such as MITI and The Hunar Foundation) with toolkits, sewing machines, welding sets, or electrical equipment loans so they can immediately establish their own profitable workshops.

  • Loan Range: PKR 30,000 to PKR 60,000
  • Repayment Tenure: 12 to 13 Months with grace period
Apply for EVOLVE Loan
Working Capital

EMPOWER

Enterprise Expansion & Inventory Loans

Targets small existing family-run grocery shops (kiryana), livestock keepers, fruit vendors, and local repair shops needing bulk inventory purchasing power to negotiate wholesale pricing and grow margins.

  • Loan Range: PKR 54,000 to PKR 72,000
  • Repayment Tenure: 12 to 13 months with grace period
Apply for EMPOWER Loan
EMPOWER program
TRANSFORM program
Women Inclusion

TRANSFORM

Women Financial Inclusion & Home Businesses

Dedicated to female home-based artisans, embroidery specialists, and dressmakers.

  • Loan Range: PKR 24,000/- to PKR 48,000
  • Repayment Tenure: 12 to 13 months with grace period
  • Impact Focus: 70%+ of total HEWT loan portfolio
Apply for TRANSFORM Loan

Application Qualifications

HEWT's Qarz-e-Hasna Interest-Free Loan Opportunity

Supporting hardworking individuals from financially disadvantaged families who want to build a better future through dignified, interest-free enterprise.

Eligibility Guidelines

Who Can Apply?

We are dedicated to supporting motivated individuals from financially disadvantaged families who possess the drive, integrity, and ambition to achieve financial independence.

Core Eligibility Criteria

  • Skills or Business Potential: Have the skills or potential to run a small business (e.g. tailoring, shopkeeping, taxi service, food stall, livestock farming, etc.).
  • Honesty & Integrity: Show honesty, integrity, and a strict commitment to repay the loan on time.
  • Strict Purpose-Only Utilization: Use the loan amount only for the productive business purpose it was applied for (direct vendor equipment/inventory settlement).
  • Two Guarantors: Provide two guarantors as security and social collateral.

Special Priority for Women

Women applicants will be given preference, empowering female micro-entrepreneurs and home-based artisans, but men are also welcome to apply if they meet all requirements.

HEWT Qarz-e-Hasna Interest-Free Loan Eligibility Criteria

Transparency

Interactive Loan Repayment Calculator

See exactly how interest-free small lending works. Zero markup, zero hidden charges, zero surprises.

PKR 48,000
PKR 24,000 PKR 72,000
12 Months
6 Months 24 Months
Monthly Installment PKR 4,000 Principal repayment only
Markup / Profit Charged PKR 0 100% Free of Riba (Interest)

Total to repay: PKR 48,000 over duration. Zero hidden processing or late penalty fees.

Proceed with Loan Application

Policy

Financing Terms & Conditions

Consistent, transparent rules governing every Qarz-e-Hasna small loan disbursed by HEWT.

Feature HEWT Qarz-e-Hasna Policy
Interest / Profit Rate 0% (Pure Interest-Free Loan)
Disbursement Method 100% Cashless (Direct payment to verified equipment/inventory supplier)
Loan Ticket Size PKR 24,000 to PKR 72,000 (Based on business stream & feasibility)
Repayment Frequency Equal monthly installments collected via digital microfinance / doorstep
Grace Period Up to 30–60 days before first installment to allow business setup
Collateral Required Social collateral / peer verification (No physical assets or land title required)
Processing Fees PKR 0 (Free application and registration)