Friday, May 20, 2022


HQ Address:
103-K, Level 1 & 2, DHA Phase 1-C, Lahore, Pakistan
Countries in Operation:

Company Profile

Muawin offers quick, easy, and affordable access to credit for millions of micro-entrepreneurs in Pakistan.
We are committed to enabling financial growth and unlocking additional income opportunities for our customers.

Muawin provides an end-to-end digital journey for its customers through an Android-based mobile application. Leveraging Artificial Intelligence and Machine Learning techniques, we ensure our customers get quick and easy loans with convenience.

Muawin is the first digital lending entity in Pakistan that provides Sharia-compliant financing options. It is our goal to make credit available to all micro-entrepreneurs, so we strive to ensure we have a multitude of options available for everybody.

We have designed our retail lending products to be compliant with Islamic Financing guidelines, so our customers can rest easy knowing that we take their values seriously, and will always deliver products suited to their needs

Ammar Afif


With a love for all things technology and business, Ammar Afif, wears many hats and has been involved in the success journeys of several small businesses across Canada, America, Pakistan, and the UAE.
Currently, the founder of cashew, the first 360-degree instant payment and digital finance solution in the MENA region, Ammar’s inclination towards entrepreneurship dates back to 1999 when after a 5-year stint with the reputed global consultancy firm PWC in auditing and transactions, he moved to Silicon Valley to join a start-up founded by his close friend.
After that, there was no looking back. He started working with founders and investors to grow, build, scale, and implement new technologies. He worked with companies including Pronto Networks: OSS/ BSS for Wi-Fi networks, TNS Media, and NaviNet: HealthCare IT in the initial years. With his belief in the potential and dynamism of emerging markets, he widened his horizon to various sectors including healthCare, FinTech, digital, augmented reality, and more.
Later, Ammar has spent the past two decades between San Francisco, New York, and Boston, where he honed his expertise in this field as a Venture Capitalist, PE investor, Chief Financial Officer, and Chief Operating Officer.
To date, he has successfully raised over $400 million in equity and debt financing that has led to 12 mergers and acquisition (M&A) deals and five successful exits, which most recently includes Cayan, a former leading fintech that was acquired by TYSS for $1.2 billion.
Some of the Investors that Ammar worked with include Parthenon, GE, Intel, Lightspeed, NorthBridge, Atlas Ventures, Mayfield, and BCBS Investors.
In Pakistan, he launched and sold Cardwalla, a digital gift card business, led the launch (and later exited) of AugmentCare, a digital health company, and launched cashew, a premier digital financing platform that provides consumer-friendly alternative payments to cash & credit cards.
Born in Pakistan, raised in Montreal, Ammar completed his graduation and post-graduation from McGill University in Canada and later qualified as a chartered accountant.

Ammar Afif
Hashim Ali
Moeed Qamar
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