HEWT Foundation

HEWT Foundation HEWT Foundation is an organization that was started in 2012 in Karachi, Pakistan with the intent to eliminate poverty, one family at a time.

We do this by providing mostly women with interest-free Loans (Qarz-e-Hasna) to start or expand a small business. HEWT Foundation is an organization that was started in 2012 in Karachi, Pakistan with the intent to eliminate poverty, one family at a time, amongst the poorest of the poor people. This is achieved by providing micro-credit interest-free loans (Qarz-e-Hasna) so that these recipients ca

n start small businesses or if they already have small businesses, they can expand it. These small loans provide them access the capital which combined with their entrepreneurship skills would translate into a source of earnings, thereby improving their livelihoods. Our loans are offered mostly to women and some men also, regardless of their religious, ethnic, or tribal backgrounds. This program is available in limited cities in Pakistan right now, but our goal is to expand it to all the big and medium-sized cities soon. Loans are mostly given to women because historically when they start making money, they elevate the whole family from children’s education to their diets and their other emotional needs. This way the lifestyle of the whole family gets uplifted. Our model of offering interest-free loans (Qarz-e-Hasna) is different from some of the other similar models in a way that HEWT doesn’t charge any interest or fee for the loans that are provided. The ultimate goal of our effort is to bring well-being in the lives of poor people who do not have access to the capital otherwise because they have no collateral or credit history. We do not want to burden the recipients with any interest payments so that they can return the exact amount and improve their lifestyles in the process.

HEWT Foundation's impact in FY 2023–25:447 beneficiaries | PKR 87.5M in economic circulationKPK leads with 68% share & ~...
02/11/2025

HEWT Foundation's impact in FY 2023–25:
447 beneficiaries | PKR 87.5M in economic circulation
KPK leads with 68% share & ~90% recovery
High female participation in Sindh’s Tharparkar
Urban micro-enterprises thriving in Punjab
Pilot outreach expanding to smaller towns
Consistent recovery. Sustainable growth.




HEWT Foundation continues its mission of empowering lives through interest-free Qarz-e-Hasna4,651 beneficiaries empowere...
31/10/2025

HEWT Foundation continues its mission of empowering lives through interest-free Qarz-e-Hasna
4,651 beneficiaries empowered nationwide since inception
PKR 91.03 million disbursed and PKR 73.97 million recovered
327 running beneficiaries with PKR 11.88 million disbursed and PKR 9.19 million recovered
214 families empowered in FY 2024–25
65% women-led enterprises, strengthening home-based economies
100% recovery in FY 2024–25 — a true model of trust and responsibility
Each repayment redefines charity — turning it into empowerment and sustainability.

HEWT Foundation proudly attended the The NGO World Foundation ceremony marking the launch of 133 Non-Formal Education Ce...
25/10/2025

HEWT Foundation proudly attended the The NGO World Foundation ceremony marking the launch of 133 Non-Formal Education Centers — a milestone in bringing education to out-of-school children and shaping a more educated, empowered Pakistan.

17/10/2025

Meet Asma Javed from Naud Balak, Peshawar — a daughter continuing her mother’s legacy. With Hewt’s support, she turned a family skill into a successful business, proving that hope and hard work can stitch a brighter future.

15/10/2025

Asma’s story shows what happens when women get the right support — they lift families and futures.

A mother’s dream came true — now both her children can go to school. With an interest-free loan from HEWT, Rukhsana turn...
14/10/2025

A mother’s dream came true — now both her children can go to school. With an interest-free loan from HEWT, Rukhsana turned struggle into strength and hope into opportunity.

From the heart of the desert, women artisans weave, stitch, and craft their heritage into every piece.Empowered by HEWT ...
10/10/2025

From the heart of the desert, women artisans weave, stitch, and craft their heritage into every piece.
Empowered by HEWT — preserving culture, shaping futures.

Join hands with HEWT to uplift lives, one family at a time.
09/10/2025

Join hands with HEWT to uplift lives, one family at a time.

04/10/2025

Honoring the commitment of Zeeshan and Huma, our dedicated volunteers leading HEWT Foundation’s mission in Lahore.
Their efforts in identifying and supporting deserving beneficiaries through interest-free microfinance reflect the true spirit of service.


03/10/2025

From stitching buttons at 1 rupee each to running her own small tailoring business — Tahira’s journey is proof that empowerment begins with opportunity.
With the support of a micro-loan from HEWT Foundation, she was able to buy a sewing machine, start tailoring from home, and now proudly manages her children’s education and household expenses.

HEWT loans are 100% interest-free. We only charge two small, fixed fees to cover processing and insurance — nothing more...
02/10/2025

HEWT loans are 100% interest-free. We only charge two small, fixed fees to cover processing and insurance — nothing more.
Because at HEWT, we believe in supporting communities, not profiting from them.

Day of Awareness of Food Loss and WasteTurn Surplus into Smiles — Donate Today.Donate us atZelle: Zulki@hewt.orgPayPal: ...
29/09/2025

Day of Awareness of Food Loss and Waste
Turn Surplus into Smiles — Donate Today.

Donate us at

Zelle: [email protected]
PayPal: [email protected]

Chase Bank

Account number: 682138956
Routing number: 322271627

Address

M-1, Mezzanine Floor, EOBI House( Formerly Awami Markaz), Shahrah-e-Faisal, Sindh
Karachi
75290

Opening Hours

Monday 10:00 - 17:00
Tuesday 10:00 - 17:00
Wednesday 10:00 - 17:00
Thursday 09:00 - 17:00
Friday 10:00 - 17:00

Telephone

+923314330301

Website

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Journey of HEWT

Human Empowerment and Welfare Trust (HEWT) is an organization that was started in 2012 in Karachi, Pakistan with the intent to eliminate poverty, one family at a time, amongst the poorest of the poor people. This is achieved by providing micro credit loans so that these recipients can start small businesses or if they already have small business, they can expand it. These small loans provide them access the capital which combined with their entrepreneurship skills would translate into source of earnings, thereby improving their livelihoods. Our loans are offered mostly to women and some men also, regardless of their religious, ethnic, or tribal backgrounds. This program is available in limited cities in Pakistan right now, but our goal is to expand it to all the big and medium sized cities soon. Loans are mostly given to women because historically when they start making money, they elevate the whole family from children’s education to their diets and their other emotional needs. This way the lifestyle of the whole family gets uplifted. Our model of offering micro credit loans is different from some of the other similar models in a way that HEWT doesn’t charge any interest or fee for the loans that are provided. The ultimate goal of our effort is to bring well beings in the lives of poor people who do not have access to the capital otherwise, because they have no collateral or credit history. We do not want to burden the recipients with any interest payments so that they can return the exact amount and improve their lifestyles in the process.