AJNIHA MICROFINANCE INITIATIVE (AMI)
Invest in Dreams. Change Generations
What is Ajniha Microfinance Initiative?
Ajniha Microfinance Initiative provides small, riba free loans to individuals that lack access to capital and wish to avoid conventional financial institutions. Ajniha’s goal is to uplift these individuals - helping them reach a level of income and stability where they can become self sufficient and support others in their communities.
Invest in Dreams
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Peshawar Clothing Business
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General Store Project
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Spare Parts & Bike Repair Business
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Pharmacy Inventory Expansion
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Food Stall Support Project
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Bedsheet Business
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Accessible Technology Project
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