He is a renowned social entrepreneur and philanthropist, Founder of Akhuwat Foundation, the world’s largest Islamic microfinance network. Under his leadership, Akhuwat has disbursed PKR 239 billion in interest-free loans, empowering 6.3 million+ families, and operates 305 schools and Pakistan’s first fee-free university. A former civil servant, he is a Ramon Magsaysay Award and Hilal-e-Imtiaz recipient, recognized for transformative work in financial inclusion, education, healthcare, and social development.

6.3M+

interest free loans

800+

Branches network

3M+

Families empowered

Interview can be played in background

Interview

Motivation Behind Social Enterprise

Question: At what point did you realize that poverty was so widespread that it compelled you to focus on social enterprise?

Dr. Amjad Saqib: Growing up in our society, one cannot remain indifferent to what surrounds them. Every day, we witness hunger, poverty, and human suffering elderly people struggling, children scavenging through waste, people begging at street corners. These experiences gradually shape a person’s worldview. There isn’t a single moment when one suddenly decides to take action. Rather, it is a slow process of observation, reflection, and empathy. Over time, the realization grows: “If I am fortunate, why should others continue to suffer?” This awareness evolves naturally, pushing one toward meaningful action. It becomes clear that life is not only about personal comfort; it also entails uplifting others and addressing social inequities.

Challenges in Leaving a Stable Career

Question: Did your family or peers discourage you when you decided to leave a stable career to pursue social work?

Dr. Amjad Saqib: Yes, leaving a secure position was a difficult decision. Friends, colleagues, and even some family members advised against it. However, decisions must align with one’s inner conviction. I felt that my skills could be applied more effectively in social work. I approached this decision considering four key factors:

  1. Doing something, I am passionate about.
  2. Utilizing my capabilities to their fullest.
  3. Achieving financial sustainability to a reasonable extent.
  4. Contributing positively to society.

Balancing these factors gave me the confidence to proceed despite initial resistance.

Support System at the Start

Question: Did you have support when you started your journey?

Dr. Amjad Saqib: Absolutely, I was never alone. Akhuwat is a collective philosophy, not the work of a single individual. From friends who shared my passion, to family particularly my wife, who supported me despite unpredictable schedules these collaborations were crucial. Any achievement here is shared, not individual. True social impact comes from teamwork, shared values, and collective effort.

Initial Fears and Uncertainty

Question: Did you feel fear or uncertainty at the beginning of this initiative?

Dr. Amjad Saqib: Interestingly, I didn’t fear external obstacles. My only concern was internal: whether my own resolve and stamina would be enough. The greatest challenge was to remain committed and aligned with my vision. Fear often stems from doubting one’s own ability to sustain effort, not from external factors.

Structuring Akhuwat’s Model

Question: How did you structure Akhuwat’s model at the start, and does it still follow the same principles today?

Dr. Amjad Saqib: The core principle guiding our efforts at Akhuwat has remained consistent from the very beginning: empowering the economically disadvantaged through solidarity, mutual support, and social responsibility. At the outset, we structured the model around a simple yet transformative idea those with greater resources and capabilities can support those less fortunate, and together, they can build a more equitable and thriving society. This was operationalized through interest-free microfinance, community-driven lending, and mentorship programs that emphasize dignity, trust, and accountability rather than charity. This philosophy continues to guide Akhuwat today. While the scale of our work has expanded significantly, the foundational principles remain unchanged: connecting people across economic divides, fostering dignity, and creating opportunities for the vulnerable to thrive. The model also continues to adapt, integrating modern approaches to financial inclusion, community development, and social empowerment, but always within the same framework of brotherhood, mutual support, and respect for human potential. By combining these principles with innovative structures, Akhuwat demonstrates how sustainable social impact can be achieved proving that when the economically strong and weak collaborate with trust and shared responsibility, lasting societal transformation is possible.

Addressing Economic Inequality

Question: How can the growing economic gap between the wealthy and the poor be addressed?

Dr. Amjad Saqib: Poverty persists not due to a lack of resources, but because wealth is concentrated in the hands of a few. If resources were more equitably shared, the gap between the privileged and the underprivileged would narrow significantly. Addressing this issue requires both systemic and moral solutions: promoting ethical leadership, ensuring fair and transparent governance, and fostering a culture of personal responsibility in sharing resources. Wealth, when circulated responsibly, can empower individuals and communities, creating opportunities for education, entrepreneurship, and social mobility. Conversely, hoarding wealth out of fear or greed perpetuates inequality and social stagnation. By aligning economic practices with ethical values and social accountability, we can build a society where prosperity benefits all, enabling inclusive growth and sustainable development.

Causes of Systemic Failures in Pakistan

Question: In Pakistan, what do you see as the primary causes of systemic failures—systemic flaws, poor leadership, or lack of values?

Dr. Amjad Saqib: It is not a question of a single factor; the systemic challenges we face in Pakistan are multidimensional. True societal progress requires the interplay of ethical leadership, functional institutions, and deeply rooted moral values. Leadership without effective systems cannot produce sustainable results, as even the most well-intentioned leaders will struggle in the absence of proper frameworks and processes. Likewise, systems alone, no matter how well-designed, will fail if they are led or administered without integrity and ethical grounding. At the heart of these challenges lies a need for vision-driven leadership leaders who not only manage but inspire, who think strategically about long-term development, and who prioritize the public good over personal gain. Complementing this, our institutions must be efficient, transparent, and accountable, with clear mechanisms that ensure fairness and effectiveness. Finally, a strong ethical foundation is essential to uphold justice, equality, and social cohesion, guiding both leaders and citizens to act responsibly and compassionately.

Only when these three elements ethical leadership, functional systems, and moral values work in harmony can Pakistan overcome systemic failures, create inclusive growth, and build a society where institutions serve people effectively and equitably.

Integrating Islamic Principles in Social Work

Question: How do you integrate Islamic principles into Akhuwat’s work and foster nationwide transformation?

Dr. Amjad Saqib: Many people identify as Muslims, yet often overlook the core Islamic principles that govern our duties toward others particularly the balance between worshiping God and fulfilling the rights of fellow human beings. True societal transformation is achieved when excess wealth is shared responsibly, poverty is alleviated, and ethical conduct guides both personal and collective decisions. At Akhuwat, these principles are embedded in every aspect of our work. We promote social justice by ensuring financial inclusion through interest-free microfinance, empower marginalized communities by creating opportunities for self-reliance, and foster a culture of service and empathy. By translating Islamic values of compassion, generosity, and fairness into practical action, Akhuwat aims not only to uplift individuals but also to catalyze nationwide transformation—demonstrating how ethical leadership, community engagement, and moral responsibility can work together to create a more just and equitable society.

Financial Sustainability of Akhuwat

Question: How does Akhuwat maintain financial sustainability as a social enterprise?

Dr. Amjad Saqib: Akhuwat operates like any well-managed enterprise when it comes to resource management, but with a social mission at its core. Our funds are primarily sourced from individuals and organizations who are committed to the philosophy of giving and social responsibility. These philanthropic contributions provide the capital necessary to support our programs. Financial sustainability is ensured through meticulous planning, transparent allocation of resources, and operational efficiency. Every rupee is managed carefully to maximize impact, while maintaining a structure that allows the organization to continue serving communities without dependence on loans or external debt. By balancing a strong social purpose with financial prudence, Akhuwat demonstrates that a social enterprise can be both impactful and sustainable, creating lasting value for communities while remaining accountable to its donors and stakeholders.

Retaining Young Talent in Pakistan

Question: How do you encourage young people to stay in Pakistan and contribute rather than seeking opportunities abroad?

Dr. Amjad Saqib: Education and values are critical. Youth should be taught that success is not only measured by wealth but by usefulness to others. Many local opportunities exist for entrepreneurship and social impact. The key is aligning one’s skills and purpose with the needs of society. Motivation comes from understanding that true happiness stems from service, not material accumulation.

Personal Sacrifices in Social Work

Question: What personal sacrifices have you made in running Akhuwat?

Dr. Amjad Saqib: From a worldly perspective, one might call the time, energy, and effort invested in running Akhuwat “sacrifices.” However, I perceive them as spiritual and personal rewards rather than losses. Working long hours, facing challenges, and navigating complexities become deeply fulfilling when aligned with a meaningful purpose. The tangible costs whether monetary, physical, or personal are far outweighed by intangible rewards: the satisfaction of making a societal impact, witnessing the empowerment of marginalized communities, experiencing inner peace, and attaining a sense of divine fulfillment. In essence, these “sacrifices” are not burdens but investments in a higher purpose, reinforcing the philosophy that true service is both transformative for society and spiritually enriching for the individual.

Gender Differences and Women Empowerment

Question: What differences have you observed between men and women entrepreneurs, and how do you approach women empowerment?

Dr. Amjad Saqib: Men and women bring different strengths physical, emotional, and cognitive. Women often show resilience, loyalty, and diligence, which make them highly effective in microfinance and small business initiatives. Empowerment is not just about capability but providing equal opportunities and fostering environments where women can thrive independently.

Stress Management in Leadership

Question: How do you handle stress in leadership and organizational work?

Dr. Amjad Saqib: Focus on effort, not outcomes. Stress is minimized when one knows they have given their best. Patience, perseverance, and reflection on higher purpose help manage stress. Walking, hydration, and physical movement are simple strategies to regulate emotions during challenging times.

Recommended Values for Young People

Question: What values or life principles would you recommend for young people?

Dr. Amjad Saqib: Four principles form the foundation:

  1. Truthfulness (Sadaqat) – Represented by Hazrat Abu Bakr Siddiq.
  2. Justice (Adl) – Represented by Hazrat Umar Farooq.
  3. Courage (Shujaat) – Represented by Hazrat Ali.
  4. Generosity (Shahawar) – Represented by Hazrat Usman.

These are not abstract ideals but practical guidelines for leadership, personal conduct, and social responsibility. Living by these values ensures ethical and effective action.

Succession Planning at Akhuwat

Question: How do you approach succession planning for Akhuwat?

Dr. Amjad Saqib: Succession is about transferring vision, not just positions. The university we established trains hundreds of students to adopt the philosophy of Akhuwat. They become successors not in title but in values and understanding. True continuity is achieved when the organization’s principles and purpose endure, independent of any individual.

Desired Legacy of Akhuwat

Question: How do you hope Akhuwat and your work will be remembered?

Dr. Amjad Saqib: Legacy is not about fame. It is about living a life of service and fulfilling one’s duties with sincerity. If people remember Akhuwat as an initiative that alleviated suffering and empowered individuals, then the work is meaningful. Recognition is secondary to the ethical and spiritual impact we leave behind.