ENTREPRENEURIAL EMPOWERMENT

WHAT IS ENTREPRENEURIAL EMPOWERMENT?

Entrepreneurial Empowerment provides small, riba free loans to businesses 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.

AJNIHA’S LOAN PROCESS

APPLICATION

APPRAISAL

APPROVAL

  • The applicant begins by submitting basic personal details—such as name, occupation, and a brief overview of their business. They also explain the reason they’re seeking financial support and how the funds will be used.

  • Ajniha evaluates the applicant’s social credibility. This includes submission of legal identification, proof of financial reliability e.g., consistent utility or rent payments, and references from friends or colleagues to vouch for the applicant’s honesty and integrity.

  • The applicant presents their business plan and projected finances. Ajniha conducts a feasibility assessment to ensure the business is financially sound. Based on the outlook, a tailored repayment plan is created, aligned with expected profits and business performance.

  • Once all evaluations are successfully completed, the loan is approved and disbursed. Ajniha remains engaged beyond the financial transaction—offering ongoing guidance and support to help the candidate navigate business challenges and grow sustainably.

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