Become a Guarantor

TFA wants to ensure timely and complete recovery of loans. For new borrower, TFA wants a guarantor from the locality of borrower. Our guarantors not only guarantee the recovery of loan but also build their own reputation and credence in the eyes of TFA and his/her own neighbors. We have to change many lives through TFA, but at the same time, do not afford any misuse of funds and authority, corruption, loss of funds etc.

Come and have an influence upon the people you care. Become our guarantor- become a change maker

Who TFA accepts as guarantor?

Any person who is

• Between age of 25-40
• Is trustworthy, honest and has good reputation in local community
• Has at least 30,000 monthly income (proof is to be shown)
• Is the resident of Punjab, Pakistan (currently we are receiving application from only Kasur district)
• Is literate

is encouraged to apply

Whom TFA prefer?

TFA will prefer the person who meets the above mentioned criteria and

• Is a government servant
• Is a social worker, Numberdaar, UC representative etc
• Is or has been a leading role in any community development campaign
• Has more and more personal and professional references and links

Is preferable in our policies

What guarantors will do?

Once registered as our guarantor, the person will be able to refer the needy and deserving people from his/her locality for TFA services. He/She will guarantee that our beneficiary adheres to the policies of TFA set for the schemes he is a beneficiary of. The guarantor will be responsible for paying the loss back to TFA if the borrower or beneficiary does not pay back the loan or cause any financial loss of TFA.

We have already collected 14 guarantors in a short period of only two months. Now it’s your turn to have an impact.

Simply fill out our “Guarantor Form” to let us know that you are interested in saving the dying hopes.

Fill Form

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Talent Hunt

As part of our attempts to bring positive social change through non-material development, TFA is
going to launch “Talent Hunt” component. Through this component we want to explore, support and bring the local talent to light. We believe in the capabilities and native skills of our youth. “Talent Hunt” will provide the talented youth with an opportunity to show their talent to the world that needs it. This component has the following objectives:

• To build up and promote an opportunity structure for local talent
• To support and promote culture of creativity, innovation and improvement in arts, science, technology, and social life

This component of TFA consists of various talent exploration campaigns like painting competitions, speech competitions, singing competitions, innovation submission, invention submission, writing competitions, art and craft exhibitions, and much more. The most perfect performers from village/community/U.C level will ultimately be given opportunity to exhibit their skills at provincial and national level.

Apart from wining many prizes and awards, the participants will be given an opportunity to employ their skills and capabilities for the development of the country. All we will do is to introduce the talent on a national level.

How it works?

Talent Hunt works on campaign model. Everyone, who is an individual or part of any organization, institution, firm or company, can fill a registration form to get registered for this component. After registration, our Talent Hunt Coordinator will contact you and inform you about further process. Talent Hunt is a revolving component- there are no fix dates for various types of campaigns and activities.

Every participant must appear in U.C level competitions first. Only recommend candidates will be allowed to appear in nest level competitions. Rewards, prizes and certificates will be given to the prominent participants at every level.

How can register himself / herself with this component?

Any individual who is either an independent individual or a part of any school, college, organization, or institution can apply for the registration. The applicant must possess a special skill or capability like painting, speech, art, design, craft, singing, invention, writing etc. The schools, college, institutions, organizations, clubs, etc can apply for their students, workers or employees. Registration Form has categories, you can select accordingly.

Register an Applicant

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Sports for Change

Our society is facing numerous challenges. Our lives have become too fast to be managed. Due to growing economic pressure and societal competition over limited resources and opportunities, people have no time for recreation, exercise, entertainment, social gatherings, public speaking etc.

The use of sports in social sector is not new. TFA acknowledges the importance of sports as communication channel, awareness raising strategy, community mobilization and a tool of change. Here under TFA, there will be series of competitions for various sports and games like cricket, football, volley ball, badminton, race, cycling race, handball, swimming and various other sports.

Being social sector organization, Ittehad Foundation believes that sports are much important in child and adolescent development. Such programs can support MTSP priorities, in both communicating messages and in programming, assisting the achievement of key objectives in health, education and development while supporting the active participation of children and adolescents, and ensuring the basic right to play (CRC, Article 31).

Apart from making them physically fit, sports and games teach many other social and moral values and qualities like discipline, team work, cooperation, leadership, tolerance, and patience etc.

Moreover the increasing competitions in education and economic field have built up pressure on our youth. This scenario is causing frustration and depression in our youth. Sports will acts as a positive engagement that will shift their minds and thinking to healthy things.

So this component has been incorporated in TFA with the following objectives:

• To create and promote a culture of sports and physical education in schools and communities
• To seek out local talent in sports and bring them to light
• To preach the importance of sports and physical education to schools, colleges and communities
• Use sports in relation to education, health, and protection of children and adolescents.

Who are invited to participate in “Sports for Change” component?

Individuals, institutions, organizations, sports clubs, schools and colleges who are located in the geographical binderies of district Kasur and who have passion for sports are invited to submit their applications for registration on this form. The registration is free- no fee is involved.

How it works?

Once registered, any individual, organization, institution, organization, school or college will be contacted by our “Sports Coordinator” who will discuss the further plans with you. We plan to initiate sports competitions in October 2016 (can be changed). Once we finalize any sports event, series of event, tournament, or any other competition at any level, all the registered members will be informed in advance. All the details will be shared with them via email, phone or brochures.

If you are a player, organization, team manger, school head, college head, or a representative of a company or community, please fill in the below registration form for free.

Fill the Registration form for “Sports for Change”

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Membership Loan

Membership loans

Membership loans are loans which are given to the applicants who are  our registered beneficiaries under this project. All type of applicants: students, farmers, women, business men and professionals can equally benefit from our membership loans once they are registered with us. Any individual can apply for registration on this form….

Once you fill registration form, it may take three to four business days to make the registration process complete and issue you your registration card. This card is a valid proof o your registration with our project TFA. Once you are registered and get your registration card, you are made eligible for Membership loans. Then you can apply for a loan for your business or education.

Eligibility criteria:

The persons (male or female)

•  Having valid CNIC
• Having monthly income less than 50 thousand per month
• Residing in District Kasur for at least 10 years
• Under the age of 40 years

 Please note that:

1. Membership annual subscription fee is 3000 rupees which is to be paid in cash for getting your registration card
2. No loan under “Membership Loan” scheme can be issued to a person without a membership card issued by TFA.
3. A registered member can take loan any time once he/she returns the previous loan.
4. “Membership loan” is 100% interest free. (you will return the same amount as you get as loan)
5. Member ship loans ranges from 1000 to 15000 rupees.
6. The borrower will return the loan in maximum 6 installments of equal amount. (usually within a year)
7. Only one loan can be issued at a time to one member
8.  No extension will be given in due date of returning the full loan or in payment of an installment

A member who takes loan under this scheme will have the following options to pay the loan back to TFA:

• -          He/she may pay the loan in monthly installments (maximum 6 installments of equal amount)
• -          He/she may pay the amount back in less than 6 installments of equal amount
• -          He/she may return the whole amount together in single installment within three months of taking the loan

Standard penalty for the late payment of installment is 5 % of the installment amount. (to get one month extension in installment date)

The benefits of Membership are:

• Instant and unlimited loans
• No guarantor needed
• No processing time
• Easy repay mechanism

Registered Member?  Apply for Loan

New beneficiary?  Apply for Registration

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Business Loan

Technical and Financial Aid provides offers 0% interest business loans to farmers, entrepreneurs, and women who are passionate, deserving, and innovative in business sense. We have an opportunity for them to mould their dreams into reality. We have funds from various investors who want to invest

their money in a profitable business. Just plan, take loans, invest and make your business a success.

Your character is your trustworthiness.

TFA assess your character, your credit history, the supportive statements from your friends and family, and your contribution to our cause…

Use the loan to grow your business and give the lenders their share of profit you earn through their investment.

How much loan you can get?

The range of business loans is from 10,000 to 50,000 Rupees at this time (it may increase in coming days). The loan amount will base on the current potential of your business and the feasibility of your business plan.

Who can apply for this loan?

The persons (male or female)

• Having valid CNIC
• Having a running business or a new business plan
• Residing in District Kasur for at least 10 years
• Under the age of 40 years

are eligible for this loan. (Female are encouraged to apply)

What you will do after taking loan?

This scheme is not actually the loan scheme. It is an investment and business modal. We have some clients who have much capital but no time to start and manage their own business. They want to invest their amount in a business to get regular profit. So the borrower will have to pay some share of profit back to us to be paid to our investors. This is how entrepreneurs can have more capital to invest hence more profit. They pay some share of profit to our investors who lend them money for investment.

You will pay back as monthly installments. Usual we have fixed 5% of the invested amount as a share of profit for our investors. Once the business generates more profit, this share can be increased accordingly.

Please note that we provide constant support and technical assistance to make your business a success. We suggest modifications in business model, marketing strategy, and other things. Finally, we want to make sure that your business can grow and flourish with the passage of time.

Standard penalty for the late payment of profit amount is 5 % of the amount to be paid for that month. (to get one month extension in payment date).

 Here is an example of how TFA Business Loan works.

Ayesha is a graduate girl residing in Kot Haleem Khan Kasur Kasur city. She took 30,000 Rs and started her own Beauty Saloon. She got trainings for our experts and made her business a success. As our agreement with her, she had to pay 1500 every month to us. She paid only 11 installments of 1500 Rs per month. Till then, she was able to pay the invested amount back to us. She paid the whole 30,000 after 11 months and now she owns the business herself. This is one of the many success stories of this loan scheme.

Are you eligible and creative person and want to start your own business but have no funds?

Apply for the loan

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Agriculture Loans

Agriculture Loan Scheme is one and only scheme that offer interest free loans for farmers in Kasur. We are currently accepting application only from the farmers residing and doing business in Kasur district. The scheme may be extended to other cities of Punjab afterwards.

TFA is committed to bring prosperity and happiness for the people of every trade of life. We are especially concerned with needy and the deserving communities. As farmers with small scale agriculture and those who have less cultivable lands are the main beneficiaries of “Agriculture Loan Scheme”, we have currently set strict eligibility criteria to ensure our loans reaches to the right individuals. Here are the details for Agriculture Loan Scheme for farmers.

This schemes is for the persons who want to raise

• Cattle
• Crops

through this loan.

Please note that this loan is actually the investment by our clients. They will be seeking their profit. We are not providing the loans from our own resources- we are just linking the investors with business owners. So as you are free to borrow, you have to pay the investors their profit.

For example you are a farmer and you need 50,000 Rs for your new crop. You can get the funds from us and invest them in your new crop. When you harvest or sell the crop, you will return to us the share of profit as well. Suppose you invest 50,000 in your new crop in total and your crops is sold for 120,000 rupees, you will pay 60,000 Rs to us as half of the earned income. If the all the cash investment is made through this loan, the half of the earned money is payable to the investors.

Another example is you want to buy a cattle like cow, buffalo or goats with this money. You will raise that cattle for minimum 2 years and than you will sell. The 70% of the invested amount will be deducted and the rest will be equally divided between you and our client who had invested the money. 

Eligibility criteria:

Any farmer who

• Is the legal owner of the cultivable land equal to or less than 5 Acres
•  Is resident of District Kasur Punjab Pakistan
•  Has good personal character and reputation
• Is experienced cattle raiser

is eligible for this loan.

Loan amount

The loan amount will range from 10 thousand to 50 thousand rupees according to the

• demand of the applicant
• the recommendation of evaluation team
• capacity of the applicant
• previous records of the applicant (if has previously returned a loan taken under this scheme)

How the receiver of loan will return the loan.

The loan is returned as profit share earned through investment in crops.

Standard penalty for the late payment of profit is 5 % of the amount to be paid. (to get one month extension in installment date)

Terms and Conditions

As we do not engage our beneficiaries in complicated process and various unnecessary requirements, We do have strict parameters to ensure 100% timely recovery of lent amount. We impose the following terms and conditions for farmer beneficiaries who take loans under this scheme.

1.  Borrower is required to fill in loan taking form and undertake all terms and conditions mentioned in it.
2. The borrower is required to bring at least one guarantor with him/her on the day of disbursement.
3.  If the borrower is unable to pay the loan back according to the set schedule, he/she becomes ineligible for this scheme in future.
4. Borrower permits out team to visit his/her house/farm etc for evaluation and recovery of installment.
5. The borrower agree to other terms and conditions made in personal for special cases.

Are you eligible for this scheme?

Apply for the Loan

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