AJNIHA MICROFINANCE INITIATIVE (AMI)
Giving Wings to Clients’ Dreams
*Loan disbursal amounts are subject to transfer fees that are incurred by the platforms we use. Transfer fees up to 10% of the disbursal amount are deducted from that disbursement's own fund. Any transfer fees exceeding 10% are instead covered by Ajniha from the General Sadaqah/Most Needed fund, rather than further reducing the original disbursement
What is Ajniha Microfinance Initiative?
Through interest-free microloans, we support individuals in marginalized communities who lack access to traditional financial services, helping them build sustainable businesses, strengthen their livelihoods, and create better futures for themselves and their families.
We provide interest-free loans to aspiring entrepreneurs.
They start or grow their businesses and create stable income.
Stronger businesses lead to stronger communities.
How does Ajniha’s loan process work?
See the reach of your contribution
Adjust the slider to see how many Afghan entrepreneurs your donation supports.
A collective effort bridges the gap to full funding. Your shared contribution is pooled with other donors so entrepreneurs receive the working capital they need without delay.
Your Impact at a Glance
Based on our established microfinance model, where a contribution of $500 CAD provides the necessary working capital to fully fund one entrepreneur, we have developed a tiered impact structure to help donors understand the reach of their support. When you choose to sponsor an entrepreneur, your donation directly funds the working capital needed to launch or expand a sustainable business. Our model is designed to scale your impact, whether you are contributing to a shared pool or fully funding an individual loan.
| Donation | Entrepreneur Support | Monthly Income |
|---|---|---|
| $50 CAD | 0.1 Entrepreneur (Shared Funding) | ~250 AFN |
| $100 CAD | 0.2 Entrepreneur (Shared Funding) | ~500 AFN |
| $250 CAD | 0.5 Entrepreneur (Shared Funding) | ~1,250 AFN |
| $300 CAD | 0.6 Entrepreneur (Shared Funding) | ~1,500 AFN |
| $400 CAD | 0.8 Entrepreneur (Shared Funding) | ~2,000 AFN |
| $500 CAD | 1.0 Entrepreneur (Fully Funded) | ~2,500 AFN |
One loan. A continuous cycle of opportunity.
Business Launch
At the $500 CAD level, your donation provides the full working capital needed for one entrepreneur to launch and grow.
Shared Growth
For contributions below $500 CAD, funds are pooled with other donors so entrepreneurs receive capital without delay.
Lasting Change
As entrepreneurs repay, loans are recycled to support new entrepreneurs - creating a sustainable cycle of opportunity.
Invest in Dreams
.jpeg?format=1000w)
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