Who are we?

Asaan Ghar Finance Limited is a housing finance company built on ethical double bottom-line principals that pursues both profit and impact on society. Our core principle is to empower middle-class to own their dream home, build assets and improve their standard of livings. We are a customer- centric company that use technology to automate the end-to-end customer onboarding process to provide an enhanced customer experience.  We are a registered house finance company with Securities and Exchange Commission of Pakistan (SECP) and is promoted by Social Investment Managers & Advisors, LLC (SIMA), USA.

About Social Investment Managers & Advisors, LLC (SIMA)

Social Investment Managers and Advisors, LLC (SIMA), USA is a new generation company whose hallmark is transparency and innovation. SIMA seeks both financial and social returns. The company has following four business lines.

$$ 180 Million current Assets Under Management

SIMA Impact Foundation is working extensively to promote education and women empowerment.

SIMA LLC is an SEC Registered Investment Advisor

SIMA’s Principals, Asad Mahmood and Michael Rauenhorst, are one of the longest serving asset managers in impact investment.

SIMA’s principals have created more than 18 innovative impact funds and placed more than USD 2.3 Billion in impact investing.

SIMA LLC has been recognized through selection in top 50 impact asset managers 2021 and 2022 list.

SIMA is reputed for being a pioneer and innovator in the impact investing space. It considers itself as a field builder and has helped develop the code of conduct in the microfinance and off grid solar sector.

Our Mission

To provide simple, convenient, and prompt Islamic Home Financing for middle class to increase their assets for a better Pakistan

Asaan Ghar Code of Conduct

Asaan Ghar Finance Limited will adopt and comply with the following code of conduct. 

No Discrimination of Any Kind: Based on true spirit of Islam, we do not allow any discrimination of any kind or for any reason (race, genders, sexual identity, sexual orientation, age, religion or belief, disability, pregnancy or maternity and civil status).

Transparency: We are an ethical and transparent institution that will insure there is clarity on pricing and there are no hidden fees. We strive to be competitive and work to provide affordable pricing within market constraints.

Customer Service: We strive to deliver excellent customer service by keeping customer convenience at center of our business.

Hassle-Free Process: Strive to provide a shortest possible turnaround time of financing application.

Responsible sales and advertising: We will clearly disclose our qualification standards, pricing, fees for all Asaan Ghar products so that the customer can be clear about qualification criteria and all product attributes.

Customer Respect: We will ensure that all customers are treated with respect and dignity.

Customer Confidentiality: We will maintain client confidentiality and protect customer information.

Shareholding Pattern

S.NO Name of Subscriber Shares agreed to be taken as per Memorandum of Association
No of shares Par Value
1 SIMA LLC 6,999,000 6,999,000
2 FAIQ SATTAR KHAN 500 5,000
Name of the Auditor Name of the legal advisor
Suriya Nauman Rehan & Co. Sajeel Mirza Mann Shah

Board of Directors


Asad Mahmood (Board Chairman)

Asad has over thirty years of experience in investing and advising over $2 billion capital in social impact businesses across 50+ countries. He was the Former Managing Director for global social investment funds during a 17-year stint at Deutsche Bank. He is also part of various committees including GOGLA & MIX. He is the Co-founder and current CEO at SIMA LLC.



Mohsin has over twenty years of experience of capital markets with a proven track record of executing strategic initiatives both at corporate and industry level. He is currently Director of Products and Market Development at Qatar Stock Exchange.


Sono Khangharani

Sono has Over thirty-five years of experience in managing microfinance businesses and rural support programs. He is the former Managing Director for Thardeep Rural Development Program and Sindh Rural Support Program. He is also the recipient of Hilal-e-Imtiaz (second highest civil award). He is currently the CEO at Thardeep Microfinance Foundation.


Faiq Sattar

Faiq has 10+ years of experience in Consumer Banking, credit evaluation of Non-Bank Microfinance Companies, Fintech based companies, and Emerging markets Private debt & Equity investments. Before joining Asaan Ghar, he was serving as SVP at SIMA and managing investment portfolio of over $ 64 million across Pakistan, Nigeria, Ghana, Sierra Leone, Philippines, Kenya and Uganda.

Shariah advisor

Mufti Muhammad Noman Karim

Mufti Muhammad Noman Karim is a renowned Islamic finance consultant and trainer. He is a registered Shariah Advisor as per Shariah Advisor Regulations 2017 issued by SECP. He has over 14 years of teaching experience and 07 years of working with various Islamic Banks at Shariah compliance and Shariah audit departments.He has obtained “Al-Shahdatul Aalamiyyah” (Aalim Course) and “Takhassus” (Mufti Course) Degrees. Apart from his religious qualification, he is a PhD Scholar and Certified Shariah Advisor & Auditor (CSAA).


Faiq Sattar Chief Executive Officer

Faiq has 10+ years of experience in Consumer Banking, credit evaluation of Non-Bank Microfinance Companies, Fintech based companies, and Emerging markets Private debt & Equity investments. Before joining Asaan Ghar, he was serving as SVP at SIMA and managing investment portfolio of over $ 64 million across Pakistan, Nigeria, Ghana, Sierra Leone, Philippines, Kenya and Uganda.

Abdul Rehman Chief Financial Officer

Abdul Rehman is a Member of the Association of Chartered Certified Accountants (ACCA) and Finalist to Certified Public Account (CPA). He holds 8+ years of experience with various banking and non-banking financial institutions including Commercial Bank, Leasing and Asset Management. Prior to AGFL, he was a part of senior management & Chief Financial Officer in a renowned asset management company.

Abdul Ahad Khan Chief Risk & Policy Officer

Abdul Ahad possesses an experience of more than 18 years in the financial sector. He has an experience of around 15 years in Non-Banking Financial Sector in various capacities. His core expertise are in Credit & Risk Management. Before joining AGFL, Abdul Ahad was serving as Deputy Head Corporate Lease, Karachi at OLP Financial Service Pakistan Limited (formerly ORIX Leasing Pakistan Limited).

Salman Masood Head of Operations

Salman Masood owns vast experience of more than 10 years in Consumer Banking and has remained engaged in managing Home Finance portfolio in Credit Administration Department of various banks including Meezan Bank, Bankislami and Dubai Islamic Bank. Before Joining AGFL Salman was managing mortgage operations at JS Bank Pakistan.

Syeda Adarsh Rizvi Client Service Manager

Adarsh has 10+ years of experience in managing sales processing and client servicing operations with focus on consumer assets operations. Prior to joining AGFL, she was managing the client servicing and processing of house finance products at Dubai Islamic Bank Limited.

Suhail Darwesh Company Secretary

Suhail holds MBA Finance and also holds a Masters Degree in Economics. He also holds professional certifications like MCSD, CIMA Advanced Diploma, and Banking Diploma. He holds more than 20 years of professional experience including 15 years with various financial institutions including large local and foreign banks mainly in Credit & Risk Management.

Muzzamil Ahmed Team Lead Core System Development

Muzzamil, a professional in the I.T. sector with an Engineering Degree in Computer Systems, brings over 8+ years of expertise in managing web development projects. His skills encompass precise requirements gathering, managing solutions for corporate clients, and software development across various scales. Before joining AGFL, Muzzamil served as the Team Lead for Software Development at a reputable company, contributing significantly to the success of projects.