Households
Power around the clock for lights, fans, phones and children's study
Finclude Labs · In development
Munazzah Motherland Sukuk
Your savings. Your village. Power that lasts.
Millions of us send money home every month to pay for today. Munazzah Motherland Sukuk is an idea to let overseas Pakistanis invest in something that lasts: solar power for villages in our home regions that still live without reliable electricity, through a Shariah-compliant Sukuk that aims to return a fair profit. We are designing it now, and we want to hear from you first.
USD 41bn+
sent home by overseas Pakistanis in 2025–26, a record (State Bank of Pakistan). If even a small share were invested at home, it could bring power to thousands of villages.
Too many of our villages still wait for power
- Many villages in Khyber Pakhtunkhwa have no grid connection, or only a few hours of electricity a day.
- Families spend heavily on diesel, kerosene and firewood. Women carry the cost in time, health and smoke-filled kitchens.
- Shops, workshops and clinics close at dark or run on expensive generators.
- Remittances keep households going, but most of the money is spent on daily needs, not on things that build lasting income at home.
Diaspora savings, building solar microgrids
A solar microgrid is a small, local power network: solar panels and batteries that supply a whole village around the clock, independent of the national grid. Families and businesses pay a fair monthly bill through prepaid smart meters, cheaper than diesel.
Munazzah Motherland Sukuk would let you own a share in these grids. The bills paid by the village would fund the profit paid to investors.
How it would work
- 01
You invest
In Pakistani rupees through your Roshan Digital Account, or in small monthly amounts.
- 02
Solar grids are built
In villages without reliable power, owned by a listed, Shariah-compliant clean-energy company.
- 03
The village pays for power
Through prepaid meters. Relatives abroad can pay family bills from the Gulf.
- 04
You share the profit
And receive your capital back over the life of the Sukuk.
Who benefits
Women
Clean electric cooking in place of firewood and smoke
Local businesses
Workshops, tailors and shops that can open longer and earn more
Young people
Local jobs as technicians and operators
Investors
A Shariah-compliant way to earn a return while building something at home
Ways you could take part (planned)
Lump sum
From about PKR 1 million
For Roshan Digital Account holders, invested in rupees through a partner bank.
Monthly plan
From about PKR 10,000 a month
Designed for workers in the Gulf, saved a little each month through a digital platform.
In her name
For your mother, wife or daughter
Invest so the savings build in a woman's name in your family at home.
Built on Shariah principles
Real assets, real income
The Sukuk would be structured as Ijarah: the solar grids are real assets, leased to the company that runs them, and investors share in the lease income. No interest is involved; returns come from real power sold to real customers.
- Approved by a Shariah Advisor before any offer
- Follows AAOIFI Shari'ah Standards
- All amounts in Pakistani rupees
- Regular reports on power supplied, bills collected and profit paid
Who is behind it
Developed by Finclude, the team behind Sarwat, Finhisaab and Hemaayah
Issuer and owner
A listed, A-rated Shariah-compliant clean-energy company (proposed)
Banking
A Pakistani commercial bank for Roshan Digital Accounts
Engineering
A solar engineering firm for design, metering and monitoring
Bill payments
Partners that let families abroad pay village bills directly
The project has been submitted to an international development programme for grant support towards its design and set-up.
Help us design it: about 5 minutes
Tell us where you live, where your family is from, and what would make you invest. Your answers shape the amounts, terms and features. They are anonymous unless you choose to leave your details.
Form not loading? Open the survey in a new tabThis survey is for research only. It is not an offer to sell or a request to buy any investment, and no money is being collected.
Read the full brief
A two-page summary of how Munazzah Motherland Sukuk would work, who it helps and what happens next.
Download the brief (PDF, 2 pages)Frequently asked questions
Know someone abroad who sends money home? Share this page with them.
Munazzah Motherland Sukuk is a Finclude Labs concept under development. This page is for information and research only. It does not constitute an offer to sell, or a solicitation of an offer to buy, any security. Any future offering will be subject to approval by the Securities and Exchange Commission of Pakistan and other regulators, and to Shariah approval.