Ihsan Trust Financial Assistance Program For Higher Education:

QARZ-E-HASNA (Interest Free Loan):

One of the major focus of the trust is in the domain of providing Qarz-e-Hasna (Interest free loan) for Education to the needy and deserving students of major and leading universities of Pakistan. Through this scheme the Ihsan Trust bears the educational expenses of the students on purely "Need cum Merit" basis in order to enable them to complete their Higher Education.

The repayment policy for the Qarz-e-Hasna is as follows:

  • The amount of Qarz-e-Hasna sanctioned to the selected student depends on his/her need and eligibility.
  • During the study period, the student has to pay a nominal, token repayment amount (depending upon the financial position of the candidates, his/her parents/guardians monthly income) to the Ihsan Trust as repayment.
  • After the completion of his/her education, the repayment amount for the Qarz-e-Hasna is to be adjusted according to the income of the student

Memmorandum of understanding

In order to proceed with the sanctioning of Qarz-e-Hasna to the students, Ihsan Trust first signs Memorandum of Understanding (MoU) with the institute/ University. As per MoU, the university initially select and shortlist the candidates for this scheme. The cases are then forwarded to the Ihsan Trust which after proper analysis of the documents then conducts the interviews of the candidates to assess their exact need and requirement of financial assistance.

The managing trustees then finally approves the student for this Qarz-e-Hasna facility and the funds of the Qarz-e-Hasna are then transfered in the University account on the behalf of the student. Nothing, not a single penny is given in the hands of the selected students.Monthly token repayment from the student starts from the very next month.

Throughout this process, the university help and assist Ihsan Trust by awareness campaigns, ensuring timely repayments by the students and acting as an intemediary between the Turst and the students.


  • Family Profile
  • Income/Expenditure
  • Other Factors
  • Limitations
Family Profile
  • Total number of family members, dependants and their status
  • Number of students in the family and the status of Institutions in which they are studying.
  • Income from Salary
  • Income from Business
  • Agriculture Income
  • Income from Investments
  • Income form properties
  • Household expenses
  • Educational Expenses
  • External Liabilities (loan repayments, credit card payments etc)
  • Other expenditure
Other Factors
  • Residence and accommodation status
  • Pattern of family's spending
  • Expenditure on Air travel (essential and non essential)
  • Luxury spending (club membership, dining out)
  • Siblings studying overseas
  • Savings & Investments
  • Other financial support available from family or relatives
The following categories of students will not be provided the financial assistance:
  • Students having access to other types of coverage for education cost, including education benefit by employer, education insurance schemes, Government (local, provincial or Federal) support, any other facility
  • Students with siblings studying abroad (with or without scholarship)



TCF is a professionally managed, non-profit organization set up in 1995 by a group of citizens concerned with the dismal state of education in Pakistan. It is now one of Pakistan's leading organizations in the field of formal education. As of 2013, TCF has established 910 purpose-built school units nationwide with an enrollment of 126,000 students. TCF encourages female enrollment and strives to maintain a 50% female ratio in most of its campuses. TCF has a full female faculty of 6,300 members. TCF also has a dedicated Teacher Training Center in Karachi and Mansehra for the ongoing training of its faculty and provides logistical support to all its teachers. About 9,500 jobs have been created in communities in which TCF operates.

Ihsan Trust signed MoU with TCF in 2010 to provide funds for the scholarship of 100 TCF alumni pursuing intermediate education. According to the renewed MoU of 2013 Ihsan Trust has provided funds to TCF for scholarship of 250 alumni pursuing intermediate education.


Nasim Memorial Educational & Welfare Society established in 1983, is running the Britainnica School by the efforts of philanthropist Ms. Yasmin Nigar, who has been running the school in order to provide quality education to the poor children... of Surjani Town and Gulistan e Johar. Most of the children studying in these schools belong to very poor families. But the entire team of Ms. Yasmin is doing great job in imparting education to them.

Although Britainnica School have been providing the best possible facilities to the children with their own efforts, but since the costs have gone skyhigh and the resources going down, they were facing a severe problem of providing copies, uniforms, etc to the poor students (these things are provided free of charge to the poor students) and payments of utility bills etc. They approached Ihsan Trust and Ihsan Trust agreed to join hands with them in their noble cause.

Ihsan Trust has provided sponsorship of 150 students of Brittanica School Surjani Town for one year and has also provided copies (notebooks) to 250 needy students of this school. The ceremony to hand over the cheques of these initiatives by Ihsan Trust took place in Brittanica school Surjani Town on Sept 10, 2013. Mr. Waleed Khan of Ihsan Trust highlighted the joint collaboration and other initiatives of Ihsan Trust to the entire team of Britainnica School. The efforts of Brittanica school to make remote area children literate and educate are highly commendable and Ihsan Trust is proud to be a part of this noble cause and play its part in providing education to the poor and needy as per its mission and objective.