AJNIHA’S LOAN PROCESS
Pakistan · AMI model
Trust-based, field-driven lending
A self-sustaining model: every repaid loan funds the next entrepreneur in Pakistan.
Capital
recycled within Pakistan
recycled within Pakistan
01
Application
Personal details, business overview, and purpose of funds.
02
Social appraisal
Identity, financial reliability, and community references verified.
NPO partner - Pakistan
03
Business appraisal
Business plan reviewed, feasibility checked, repayment plan set.
04
Approval
Loan confirmed. Ajniha stays engaged with ongoing guidance.
05
Disbursement
Funds released. Ajniha monitors repayments and progress.
AMI Central Control
06
Repayment
Weekly repayments tracked. Completed loan re-enters the cycle.
01
Application
Personal details, business overview, and purpose of funds.
02
Social appraisal
Identity, financial reliability, and community references verified.
NPO partner - Pakistan
03
Business appraisal
Business plan reviewed, feasibility checked, repayment plan set.
04
Approval
Loan confirmed. Ajniha stays engaged with ongoing guidance.
05
Disbursement
Funds released. Ajniha monitors repayments and progress.
AMI Central Control
06
Repayment
Weekly repayments tracked. Completed loan re-enters the cycle.
Capital recycled Repaid funds re-enter the cycle within Pakistan
AMI Central Control
NPO partner - Pakistan (only Karachi)
Afghanistan · AMI model
Trust-based, field-driven lending
A self-sustaining model: every repaid loan is recycled back into the Afghan community.
Capital
recycled within Afghanistan
recycled within Afghanistan
01
Borrower identification
NPO partner identifies borrowers and builds community trust on the ground.
NPO partner
02
Intake & validation
Intake form completed. On-site visit, inventory support, market benchmarking.
NPO partner
03
Approval decision
AMI reviews intake and recommendation, applies simplified criteria, gives final go / no-go.
AMI Central Control
04 – 05
Contract & disbursement
Simplified contract signed. Funds disbursed, tied to borrower inventory.
AMI Central Control
06 – 07
Weekly monitoring
Repayments tracked weekly. Small, frequent payments build discipline and reduce default risk.
NPO partner
08 – 09
Escalation & closure
Missed payments followed up. Monthly check-ins. Fully repaid loan re-enters the cycle.
AMI Central Control
01
Borrower identification
NPO partner identifies borrowers and builds community trust on the ground.
NPO partner
02
Intake & validation
Intake form completed. On-site visit, inventory support, market benchmarking.
NPO partner
03
Approval decision
AMI reviews intake and recommendation, applies simplified criteria, gives final go / no-go.
AMI Central Control
04
Contract & disbursement
Simplified contract signed. Funds disbursed, tied to borrower inventory.
AMI Central Control
05
Weekly monitoring
Repayments tracked weekly. Small, frequent payments build discipline and reduce default risk.
NPO partner
06
Escalation & closure
Missed payments followed up. Monthly check-ins. Fully repaid loan re-enters the cycle.
AMI Central Control
Capital recycled Repaid funds re-enter the cycle within Afghanistan
AMI Central Control
NPO partner - Afghanistan
Bangladesh · AMI model
Trust-based, field-driven lending
A self-sustaining model: every repaid loan is recycled back into the Bangladeshi community.
Capital
recycled within Bangladesh
recycled within Bangladesh
01
Borrower identification
NPO partner identifies borrowers and builds community trust on the ground.
NPO partner
02
Intake & validation
Intake form completed. On-site visit, inventory support, market benchmarking.
NPO partner
03
Approval decision
AMI reviews intake and recommendation, applies simplified criteria, gives final go / no-go.
AMI Central Control
04 – 05
Contract & disbursement
Simplified contract signed. Funds disbursed, tied to borrower inventory.
AMI Central Control
06 – 07
Weekly monitoring
Repayments tracked weekly. Small, frequent payments build discipline and reduce default risk.
NPO partner
08 – 09
Escalation & closure
Missed payments followed up. Monthly check-ins. Fully repaid loan re-enters the cycle.
AMI Central Control
01
Borrower identification
NPO partner identifies borrowers and builds community trust on the ground.
NPO partner
02
Intake & validation
Intake form completed. On-site visit, inventory support, market benchmarking.
NPO partner
03
Approval decision
AMI reviews intake and recommendation, applies simplified criteria, gives final go / no-go.
AMI Central Control
04
Contract & disbursement
Simplified contract signed. Funds disbursed, tied to borrower inventory.
AMI Central Control
05
Weekly monitoring
Repayments tracked weekly. Small, frequent payments build discipline and reduce default risk.
NPO partner
06
Escalation & closure
Missed payments followed up. Monthly check-ins. Fully repaid loan re-enters the cycle.
AMI Central Control
Capital recycled Repaid funds re-enter the cycle within Bangladesh
AMI Central Control
NPO partner - Bangladesh
Indonesia · AMI model
Trust-based, field-driven lending
A self-sustaining model: every repaid loan is recycled back into the Indonesian community.
Capital
recycled within Indonesia
recycled within Indonesia
01
Borrower identification
NPO partner identifies borrowers and builds community trust on the ground.
NPO partner
02
Intake & validation
Intake form completed. On-site visit, inventory support, market benchmarking.
NPO partner
03
Approval decision
AMI reviews intake and recommendation, applies simplified criteria, gives final go / no-go.
AMI Central Control
04 – 05
Contract & disbursement
Simplified contract signed. Funds disbursed, tied to borrower inventory.
AMI Central Control
06 – 07
Weekly monitoring
Repayments tracked weekly. Small, frequent payments build discipline and reduce default risk.
NPO partner
08 – 09
Escalation & closure
Missed payments followed up. Monthly check-ins. Fully repaid loan re-enters the cycle.
AMI Central Control
01
Borrower identification
NPO partner identifies borrowers and builds community trust on the ground.
NPO partner
02
Intake & validation
Intake form completed. On-site visit, inventory support, market benchmarking.
NPO partner
03
Approval decision
AMI reviews intake and recommendation, applies simplified criteria, gives final go / no-go.
AMI Central Control
04
Contract & disbursement
Simplified contract signed. Funds disbursed, tied to borrower inventory.
AMI Central Control
05
Weekly monitoring
Repayments tracked weekly. Small, frequent payments build discipline and reduce default risk.
NPO partner
06
Escalation & closure
Missed payments followed up. Monthly check-ins. Fully repaid loan re-enters the cycle.
AMI Central Control
Capital recycled Repaid funds re-enter the cycle within Indonesia
AMI Central Control
NPO partner - Indonesia
Learn more about our initiative by mailing us at : info@ajniha.org
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