Register as a borrower

All loans from this fund are interest-free. You repay only the amount you borrow. You only need to register once. When your registration is approved, you will receive a borrower code, which you will use to apply for a loan.

About you

Enter an 11-digit number starting with 01.

Enter digits only (10, 13 or 17 digits).

Family and work

For example: Class 5, SSC, HSC, or None.

Gender

As shown on your National ID card.

Marital status

Reference

A person known to the fund who can vouch for you, such as a donor, a team member or an advisor.

Address

Choose the centre closest to where you live.

Documents

You may take the photos with your phone. Each file must be smaller than 8 MB.

If you receive a loan, this photo is shown on our public pages.

Agreement

Repaying is a trust (amanah)

This loan is other people's sadaqah and zakat. Every taka you repay is lent again to someone else in need.

Do

  • Pay every instalment on or before its due date.
  • Use the loan only for the purpose you stated.
  • If you will have difficulty paying, tell your centre before the due date.
  • Take a receipt for every payment and keep it.
  • Keep your guarantors informed about your loan.
  • Tell the office if your address or mobile number changes.

Don't

  • Do not delay an instalment when you are able to pay.
  • Do not use the loan for anything else, or pass it to someone else.
  • Do not apply on behalf of another person.
  • Do not give false information or documents.
  • Do not pay anyone except the fund's own accounts or your centre, and never without a receipt.
  • Do not avoid your centre or stop answering calls when a payment is late.

Consequences if a loan is not repaid on time

In this life

  • You will be exposed: your name, your details, the area you live in and your overdue amount will be published on our website and on social media.
  • Your guarantors will be contacted and held liable for the loan.
  • Any collateral you gave will be sold to recover the loan. Anything above what you owe is returned to you.
  • A Collection Agent will be appointed, and the cost will be borne by you.
  • Legal action will be taken, and our highly qualified legal team will pursue you.
  • You may not receive another loan from the fund.

No interest, fee or penalty is ever added. You only repay what you received.

In the Hereafter

  • "O you who believe, fulfil your contracts." Al-Ma'idah 5:1
  • Delay in repaying a debt by someone who is able to pay is injustice. Sahih al-Bukhari 2287
  • The soul of a believer is held back by their debt until it is repaid. Jami at-Tirmidhi 1078
  • Allah pardons every sin of a martyr, except debt. Sahih Muslim 1886
  • The Prophet (peace be upon him) did not lead the funeral prayer of someone who died in debt until another person took the debt on. Sahih al-Bukhari 2289

Rules and conditions

  1. The borrower must repay the loan amount on the due dates set out in the repayment schedule.
  2. If three consecutive instalments remain unpaid, a Collection Agent may be appointed. The Agent may visit the borrower's home, shop or office to recover the outstanding amount, and may take the steps necessary to collect it.
  3. The cost of appointing a Collection Agent may be borne by the borrower. This is the cost of recovery actually incurred; it is not a charge for being late. The loan itself never grows: the amount repayable is always exactly the amount received, and no fee, penalty, profit or interest of any kind is ever added to it.
  4. If recovery through a Collection Agent is unsuccessful, legal action may be taken, and the borrower will bear the associated legal costs.
  5. The loan must be used only for the purpose stated in the application. Using it for any other purpose is not permitted.
  6. If the borrower dies before the loan is fully repaid, the outstanding amount is settled from their estate, and their heirs take on the remaining responsibility under these same terms and conditions.
  7. For the sake of transparency, the borrower's information may be published on the organisation's official website and on social media.
  8. The authority may amend, modify or revise these conditions at any time. The revised terms are binding on all borrowers, and the version each borrower signed is recorded.

What we publish and what we keep private: nothing is published until a loan is disbursed to you; then your name, photo, guarantors' names, loan and repayments are shown on our website, but never your National ID, mobile number, documents or video.

Contact us