Who We Are
We are a 501 C(3) approved organization
EIN No: 33-1764109
Our Team
HEWT is proud to have dedicated employees, directors and volunteers in both the United States and Pakistan.
Zulki Khan - Founder
Zulki Khan is a technologist, an angel investor, a published author of over 100 technical papers, a serial entrepreneur with 25+ years of experience, and has business interests and activities spread across five continents – North & South America, Europe, Asia, and Africa. He has been a founder/co-founder of over half a dozen companies, including multiple technologies and manufacturing concerns, a state-of-the-art medical device company, real estate construction and building enterprises, media and production houses, precious metals mining and refining corporations, and other charitable endeavors. He holds BSEE and MBA degrees and can be reached at [email protected].
Syed Zahid Yezdan - First Director
As First Director, Zahid manages the daily operations of HEWT. Before his time at HEWT, he worked at the Employees’ Old-Age Benefits Institution (EOBI) in Pakistan, a government ministry providing pensions and financial support to people upon retirement. He had many roles at EOBI, ranging from Regional Head to Assistant Director of IT. Zahid enjoys learning about Transcendental Meditation and Vipassana Meditation and often attends meditation retreats worldwide. He is a graduate of the Science of Creative Intelligence course and teaches Transcendental Meditation.
Syed Haider Abbas - Second Director
Haider handles all financial operations at HEWT, including planning, analysis, and collecting and tracking of loan repayments. He worked in many finance-related roles at the Employees’ Old-Age Benefits Institution (EOBI) in Pakistan, including as Assistant Director General of Finance.
Shujat Siddiqui - Third Director
Shujat oversees all accounting operations within HEWT, including audits and investment management. He has a BA in Statistics and Mathematics and an MA in Statistics from Karachi University in Pakistan and has earned a fellowship at the Institute of Actuaries in London. Before his time at the HEWT, Shujat had roles at the Employees’ Old-Age Benefits Institution (EOBI), Akhtar & Hasan Limited (a consulting firm in Pakistan), United Nations Development Program, and General Life Company in London.
Local Representatives
Local representatives are a critical part of the HEWT team. They identify potential HEWT clients with viable business ideas that benefit from our services. They guide them through the application process, ensure proper loan use, and assist them with a repayment schedules
What we do
At HEWT, we go beyond financial support, we create opportunities through these microloans for long term changes and life transformations.
Our Key Areas:
1. Interest Free Microloans
We provide small interest free microloans to help individuals start or expand their businesses without the burden of debt or providing any other form of collateral.
2. Small Business Development
We support entrepreneurs in establishing sustainable income-generating activities that can improve their standard of living and their overall life experience.
3. Women Empowerment
A huge portion of our beneficiaries are women, training them with skills to enable them to gain financial independence and support their families.
4. Community Upliftment
HEWT provides community-based training and loans like bee-keeping farms, soap making factories and other similar projects to strengthen and uplift entire communities. These group loans help multiple families and keep each other accountable as well.
What makes HEWT different?
Interest-free loans: Borrowers repay only the principal—no interest.
No collateral: We don’t require families to risk the little they already have.
Human-centered flexibility: Repayment is designed around real-life income cycles.
Local knowledge: Community representatives help identify viable businesses and support borrowers through the process.
Revolving impact: Repaid loans fund future borrowers, multiplying every donation.
Why HEWT matters
Millions of capable individuals both men and women remain trapped in poverty due to lack of access to capital. HEWT bridges this gap by providing:
Dignified financial support: Respectable loans and not handouts.
Opportunity for growth: Chance to get out of poverty cycle.
A path to self-reliance: Upwards and onwards.
Human Empowerment and Welfare Team (HEWT) is a non-profit 501(c)3 organization committed to reducing poverty and empowering underserved communities through sustainable financial support.
Contact Us
United States
Human Empowerment and Welfare Team (HEWT)
15136 Via Lomita Drive
Monte Sereno, CA 95030
USA
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