Empowering Individuals & transforming communities by providing interest free

micro- loans

Human Empowerment and Welfare Team (HEWT) is a non-profit organization committed to reducing poverty and empowering underserved communities through sustainable financial support.

We follow a principle called Qarz-e-Hasana, which encourages providing interest-free loans to people in need.

Qarz-e-Hasana (means benevolent lending) is a concept of interest-free loans. It is based on the principle of helping others without expecting any financial gain. Therefore, it is a gratuitous loan extended to people in need, for a specified period. At the end of that period, the face value of the loan is to be paid off, even in small installments.

HEWT offers loans for a period of 1 year and after starting a home-based business, the beneficiary pays back this loan in equal small repayments. At the end of the year, the whole loan amount is paid off, and the beneficiary becomes independent through establishing his/her business.

Our approach focuses on enabling poor families to launch and build small businesses, empowering them to uplift themselves and create a continuous income for themselves.

Since the inception of HEWT, we have distributed thousands of loans with a 95% loan return rate across the globe, and we are working to bring our initiatives to other countries to expand our reach.