ABSTRACT
This chapter aims to illustrate Akhuwat's loan approval and disbursement methodology for our readers' discernment. It entertains some critique regarding their sustainability and dependency on the benevolent streams, as this is one major concern/critique generally. The most laudable feature from an integral perspective is Akhuwat's methodology of loan appraisal and disbursement mechanism, which is fully embedded in the local community as per the nature of local communities. Akhuwat chooses local staff from within these communities who are not only familiar with the local traditions and sensitives but also have a mastery of the local language, which helps them communicate on a common ground. Akhuwat's loan approval methodology is simple and straightforward without the tedious organisational procedures. The whole structure bases decision-making on pure trust and the goodwill of a borrower. The committee – comprising unit, branch and area managers, along with members of the steering committee – reviews the credit cases in their totality.
