AJNIHA MICROFINANCE INITIATIVE (AMI)
Giving Wings to Clients’ Dreams
What is Ajniha Microfinance Initiative?
We provide interest-free microloans to individuals who lack access to traditional financial services - helping them build sustainable businesses and better lives.
We provide interest-free loans to aspiring entrepreneurs.
They start or grow their businesses and create stable income.
Stronger businesses lead to stronger communities.
Invest in Dreams
How does Ajniha’s loan process work?
Fund Allocation & Sustainability Model
95% of all donations are deployed directly as interest-free microloans. As loans are repaid, funds are recycled to support future beneficiaries through AMI’s revolving loan model.
5% of donations are allocated to a reserve fund. This reserve functions strictly as a risk-mitigation buffer and is used only in cases of partial or full default. It protects donor capital and ensures the long-term stability of the program.
The reserve is not used for administrative or operational expenses.
Who will lend to Allah a good loan which Allah will multiply many times over? It is Allah ˹alone˺ who decreases and increases ˹wealth˺.
Surah Al Baqarah, Verse 2４5