Tabeer Interest-Free Loan Initiative
A hand up, not a hand-out. If you have a skill but lack the capital to start, we offer an interest-free, zero-markup loan — what you borrow is exactly what you return, in easy monthly installments.
Capital with dignity — never with interest
Millions of skilled Pakistanis can earn a living but can’t get started. Banks demand collateral and charge interest that traps the poor deeper in debt. Qarz-e-Hasna is different. It is a beautiful loan in the truest sense: you borrow what you need, and you return exactly that — not a rupee more.
A tailor who needs a sewing machine. A farmer who needs seed. A home cook who needs a cart. A shopkeeper who needs stock. With a small interest-free loan and an easy repayment plan, a family can move from daily survival to a steady income — with their dignity fully intact.
The best part: every rupee you repay becomes a fresh loan for the next family. One contribution keeps changing lives, year after year.
For skilled hands
Tailors, carpenters, electricians, farmers, cooks, small traders — anyone with a skill but no capital.
Zero markup
No interest, no hidden charges. Borrow Rs 50,000, return Rs 50,000 — that is our promise.
Easy installments
Repay in comfortable monthly amounts that fit your income, agreed with you in advance.
A revolving blessing
Your repayments fund the next family’s loan — a self-sustaining cycle of hope.
Four simple steps
1. Apply
Fill the simple form below — in English or Urdu. Attach your CNIC and two guarantors.
2. Review
Our local committee verifies your need and skill, with respect and privacy.
3. Receive
Your interest-free loan is disbursed by bank transfer — never cash.
4. Repay & renew
Repay in easy installments; your returns fund the next family.
Apply for an interest-free loan
Only for Pakistani citizens · صرف پاکستانی شہری کے لیے۔ Please fill what you can — our team will help you with the rest on WhatsApp.
What you’ll need · کیا درکار ہے
A copy of your CNIC · شناختی کارڈ کی نقل — and details of two guarantors and two witnesses · دو ضامن اور دو گواہ۔ Can’t read the form? Call us at +92 302 0504375 and we’ll fill it with you.
