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Microfinance programmes by The Zahra Trust

The Zahra Trust

Microfinance

Unlocking opportunity for vulnerable families

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What we do

Empowering families toward financial independence

Across the world, over 1.4 billion people don't have a bank account. Without safe ways to save, borrow or invest, families are left without the tools to build stable, secure futures.

We empower widows and disadvantaged families with practical pathways to financial independence — combining microfinance with skills, support and opportunity.

  • Start and grow small businesses
  • Build financial confidence and literacy
  • Generate sustainable income
  • Support their families with dignity

Programmes in action

Practical pathways out of poverty

Skills and Training

Skills and Training

Equipping women with practical, income-generating skills that lead to real opportunities. Our programmes include healthcare and nursing, horticulture and agriculture, and beauty and hairdressing.

Economic Development

Economic Development

Supporting widows and vulnerable women to launch small businesses that transform their futures — creating lasting income, independence and stability for their families.

The Rickshaw Project

The Rickshaw Project

Providing rickshaws to individuals as income-generating assets. Through our affordable 15-month repayment model, beneficiaries gain full ownership — while repayments are reinvested to support other families, including orphan-led households.

About our Microfinance programme

Frequently Asked Questions

What is microfinance?

Microfinance provides small, interest-free loans and grants to vulnerable families — usually women-led households — so they can start a small business and become financially self-sufficient.

Is microfinance Shariah compliant?

Yes. All our microfinance is interest-free (qard al-hasan) and structured in line with Islamic principles. No riba is charged at any stage.

Can I give Zakat or Sadaqah to microfinance?

Sadaqah and Khums (Sehme Imam) can fund microfinance projects. Zakat is given as a direct grant rather than a loan, so it remains the property of the eligible recipient.

How is success measured?

We track business survival rates, household income increases, repayment cycles (where applicable) and the number of dependents lifted out of poverty.