Why It Exists

At ATF we believe in empowering individuals, not just through charity, but by equipping them to stand on their own feet.
Under that vision, Tabba Microfinance is our dedicated project to provide dignified, interest-free loans and self-employment
support to underserved families and micro-entrepreneurs. It’s part of our “Human Development” pillar.

Tabba Microfinance enables financial independence for underprivileged families by offering interest-free loans. By supporting
micro-entrepreneurs and creating sustainable income opportunities, Tabba Microfinance provides dignity-based solutions that
uplift communities and promote lasting socio-economic development.

Our Mission

The mission of Tabba Microfinance is to empower underserved individuals and families by providing them with access to
interest-free or affordable microloans, enabling them to start or expand small businesses, purchase tools or raw materials,
and strengthen their income-generating capacities. Through this initiative, Aziz Tabba Foundation aims to create sustainable
livelihoods, reduce poverty, and promote financial inclusion across communities that lack access to conventional banking systems.

Our Vision

We envision a self-reliant society where every individual has the opportunity to achieve economic independence with dignity.
Tabba Microfinance aspires to nurture a culture of entrepreneurship and self-employment rather than dependency, by combining
financial support with mentorship, training, and continuous guidance. Our approach ensures that every business idea is viable,
losses are minimized, and impact is long-lasting — reflecting our commitment to empowering people as partners in progress,
not mere recipients of aid.

Who It Serves?

• Individuals from lower-income or vulnerable segments of society who have the drive and business idea but lack collateral or conventional bank access.
• Micro-entrepreneurs (for example: home-based businesses, small shops, service providers) in Karachi specifically the surrounding areas TMF Branch.
• Families seeking to improve their economic resilience, break cycles of dependence, and uplift their household’s future.

What We Provide

• Loan amounts tailored to the needs of micro-businesses.
• Repayment terms that reflect the cash-flow realities of small-scale enterprises.
• Training modules: business planning, basic bookkeeping and financial literacy.
• Ongoing follow-up & support from TMF staff, to provide guidance and ensure healthy business operations.

Impact So Far

Since its inception, Tabba Microfinance has been instrumental in transforming lives by fostering financial independence and
entrepreneurship among underserved communities. Through our interest-free and low-cost financing model, we have enabled numerous
individuals to establish or expand small businesses, thereby improving their household income and quality of life. Our continuous
mentoring and monitoring approach has ensured responsible use of funds, high recovery rates, and sustainable business growth.

Why It’s Unique

Unlike traditional microfinance institutions that often impose high interest rates or service fees, Tabba Microfinance is rooted
in a philanthropic model that prioritizes empowerment over profit. Our approach focuses on providing interest-free or minimal-cost
financing, fully aligned with the humanitarian values of the Aziz Tabba Foundation (ATF). Being part of ATF’s well-established
ecosystem—encompassing healthcare, education, and social welfare—allows us to deliver holistic support rather than isolated financial aid.

How to Apply

1. Visit our office: Tabba Micro PLOT NO LS -18 SECTOR 11 Orangi Town, Karachi, Sindh, or contact us online via our website: www.atf.org.pk.
2. Complete a brief application form: include business idea, estimated loan amount required, current background.
3. Attend a short orientation/training session.
4. Upon approval, receive loan disbursement and ongoing support/monitoring from the Tabba Microfinance team.
5. Begin operations and maintain regular check-ins; post-loan support and potential scaled-up credit for high-performers.