Now, with Shahy Khazana Microfinance (SKM), we carry forward this legacy with a renewed commitment to empowering both women and men, enhancing financial inclusion, and promoting sustainable economic growth. Women are the backbone of our economy, yet they remain among the most financially excluded. At SKM, we believe economically empowering women is essential to unlocking Afghanistan’s full potential. Financial exclusion disproportionately affects women, but it also limits opportunities for men aiming to establish businesses and secure livelihoods. At SKM, we contend that inclusive economic empowerment—where both women and men have equal access to financial resources—is vital for unlocking Afghanistan’s full potential through accessible, ethical, and Shariah-compliant financial solutions.
Innovation serves as a driving force behind our vision. To bridge the gap in financial inclusion, we are transforming the microfinance sector through digital payments and loans—ensuring that financial services are increasingly accessible, transparent, and efficient. By embracing technology, we aim to provide secure, seamless financial solutions that empower entrepreneurs, small business owners, and families throughout Afghanistan.
As we grow, we strive to align with Environmental, Social, and Governance (ESG) principles, recognizing that responsible business practices contribute to long-term prosperity. We are committed to promoting financial inclusion while encouraging ethical governance, social responsibility, and environmentally conscious initiatives that support sustainable development.
Our values guide our mission: kindness, holistic development, authenticity, innovation, accountability, and nurturing growth.
I invite all of you to join us in this important mission. Together, we can create a future where every Afghan man and woman has the resources to thrive, provide for their families, and positively impact their communities.
With heartfelt gratitude,
