Concepts	Akhuwat Microfinance Service System
Access Rights	Owned Outright: Building, motor bikes, computers, furniture, MIS system
	Leased/Contracted: nothing is at lease
	Shared Access: Implementing partner of CM self-employment scheme & CM interest free loan scheme
	Privileged Access: Relationship with borrowers, donors and community and good will, affiliation with replicator organizations, innovative ideas
Resources	Operant (Conceptual)
	With rights (Organizations): Associations, replicator organizations. Donors, supporters
	Without rights (Shared information): Website, social media, (twitter & Facebook), Language : English, Urdu, local languages Laws: Registration under Societies Registration Act of 1860, Registration, with Pakistan Centre for Philanthropy (PCP), member of Pakistan Microfinance Network (PMN). Methods: Field visit, monitoring & evaluation, internal audit, Measures: Borrowers feedback, empowerment, loan recovery, audit report, financial report
	Operand (Physical)
	With rights (people): Staff, administration, volunteers, borrowers, individual donors
	Without rights (Technology): Furniture, computers, transports, building, MIS system, phones
Entities	Service Principal: Executive director (Dr. Amjad Saqib) & board of directors
	Service Producer: Donor, borrowers (when becomes donor), administration, and loan department, finance department, IT department, banks
	Service Provider: Staff, loan officers, information desk and volunteers
	Service Clients/Service Customers : Borrowers, entrepreneurs, poor community, students, poor families, debtor and poor patients,
	Service Object: Interest free loans (family loan, housing loan, health loan, liberation loan, marriage loan, education loan, emergency loan)
Stakeholders	Customer: Borrowers (Students, poor community, families, enterprisers, debtor and poor patients).
	Provider: Donors, supporters, associations, administration, IT department, finance department, loan dept
	Authority: Executive director, board of directors, administration
	Competitors: Akhuwat has no competitor and believe on replication
Interaction	Governance interactions: Interaction with government, FBR, legitimate institutions
Interaction	Value Co-creation: Interaction with borrowers, banks, community, religious places, staff and other stakeholders Value Proposition: Initial dialogues, community meeting, development of business plan, fund raising campaigns, project presentations Value Elements: empowerment, long term relationship, satisfaction
Networks	Internal: Staff, HR department, IT department, finance department, administration, loan department
	External: Borrowers, donors, replicator organizations, associations, supports, government agencies
	Virtual: Website, Blog, Face book, Twitter, e-books,
	Physical: Training centers, religious places
Outcome	Value realized: acceptance of idea, conversation, meetings, business plans, recovery, empowerment Borrower’s Outcome: empowerment, financial stability, Akhuwat Outcome: community empowerment, recovery, Donor Outcome: fair utilization, empowerment, transparency