| 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 |
| 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 |