Debt bondage and dowry abuse: Kiran tells her story

In South Asia and many other impoverished parts of the world, there are millions of people trapped in bonded labour, which is also known as debt bondage or debt slavery. It is the most common but least known form of modern day slavery.

People experiencing forced labour often become subject to debt bondage, in which they are trapped in a cycle of labour. It usually begins when poor people have no choice but to take a loan or wage advance from their employer or member of the community to cover emergency or major expenditures such as dowries. They subsequently find it impossible to repay the loan for a combination of reasons, including high interest rates and low pay. Often they are forced to work in harsh conditions.

Kirin’s story

All three of Kiran’s sons are survivors of child labour. The mother-of-four, who lives in Nepal’s Rauthat district, tells her story.

“I cannot read and write. My parents could not afford to send us all to school, so they chose to send my eldest brother.

I got married when I was 14, my husband was 19. My parents could not afford the dowry for an educated and economically stable man, so they arranged for me to marry my husband who is also illiterate and comes from a poor family.

“We struggled a lot, particularly during and after my pregnancies. There were times we did not have enough food and water. I became very sick and I could not produce enough milk, so we had to give the baby formula milk. The children were very weak and sick because there was not enough food. I often went hungry so that I could feed my children. The hospital was very far away and we could not afford take them to hospital.

“Things started to improve when my husband began working at the brick factory and he started to earn a bit of money – but it still was not enough to cover everything we needed. Then my three sons started working at brick factories.

Kirin with her youngest son, Sang*, 14, who was working three jobs to help his family make ends meet.

“Manish worked in a brick factory in Kerala, India. He worked very long hours, often with little food and he didn’t always get enough money to send home. He had a lot of debt to pay back so he worked a lot to try and pay it back but the interest rate was very high. He ran away from the factory and when he came back to home he was very thin and weak. He is still very sick and he can’t work anymore so he stays at home. As a mother, it makes me very sad. It is difficult for me to see him in this condition.

“In 2016, my daughter Priyanka got married to a brick factory worker from Kathmandu. Her in-laws asked for 200,000 rupees (£1,300) for the dowry. We ended up contributing 150,000 rupees (£1,000) and some gold pendants. We also had to collect 30,000 rupees (£200) for the wedding day. It was very difficult to get all of these funds together: all of my sons and my husband contributed towards the dowry but it was not enough so we got a loan, 20,000 rupees, with about 30% interest. We have paid back 10,000 rupees so far. We have 16,000 to pay back and it keeps increasing every year.

“On the wedding day, my son in law said he was not attracted to my daughter because she is dark skinned but the wedding went ahead anyway and the groom accepted the dowry. A year after the wedding, my daughter’s in laws started to abuse her and my family because she had difficulty getting pregnant. Once the neighbours found out that she has still not gotten pregnant, they also started to abuse me and my family; they started to blame me for all the problems.

“My daughter’s husband has started having an affair and is no longer engaged in improving the marriage but he does not want to divorce my daughter. We are planning to file a case so that we can get the divorce and get the dowry back from her husband. I want my daughter to remarry but we cannot afford the dowry, we need to first get 200,000 dowry back from her current husband. It’s a very difficult situation.

“Women in this community suffer a lot. A lot of us are illiterate, we cannot inherit property and we only get financial support through our husbands. I want to see a lot of changes, I want more job opportunities for women so they can become financially independent. A lot of women suffer health complications especially during birth because all the health centres and hospitals are far away or they cannot afford it.”

Kirin has found a lifeline through our project with local partner the Rural Development Centre. Working together to reduce child labour and human trafficking, we’re supporting vulnerable families like Kirin’s. Her youngest son, Sang*, is receiving skill-based training designed to help him build a future free from exploitation and poverty.

Donate now to support our life-changing work in Nepal and around the world.

*Name changed to protect his identity

new director

Director of Network and Resource Development

Adnan joined Islamic Relief in 2004 as a regional fundraiser in the UK. He worked in multiple roles over 10 years at Islamic Relief UK, including setting up the first digital team and leading the growth of digital fundraising and engagement. Adnan also led numerous fundraising and marketing campaigns, which played a significant part in the growth of Islamic Relief UK.

Having moved to Islamic Relief Worldwide in 2014, Adnan has held different roles that have helped grow Islamic Relief’s global digital footprint into new geographic territories, supporting Islamic Relief members with their digital and marketing growth as well as developing new products and initiatives for the Islamic Relief family.

Adnan graduated in Industrial Design and Technology from Loughborough University. He has since completed an Advanced Diploma in Business Administration from Durham University and a Diploma in Digital Marketing from the Institute of Data and Marketing.

Nadeem Azhar

General Counsel

Nadeem joined Islamic Relief Worldwide in September 2022. He has worked in the charitable sector for over a decade.

He studied Modern History and Politics at Manchester University, and at the University of Law in London before qualifying as a solicitor in 2011.

Nadeem is an experienced corporate, commercial and governance lawyer, having worked with various faith-based and grant making charities as well those in health and education settings. He was a partner at a law firm in London before moving in-house where he focused on setting up and restructuring charities and social enterprises.

Most recently, Nadeem was Lead Counsel at Mind, a leading mental health charity, where he co-authored a new federation agreement, revamped legal processes, and played a major role in developing its strategic and fundraising partnerships.

Nadeem has been a charity trustee for the Seafarers Charity, as well as many grant-making bodies and theatre companies.

Adnan Hafiz

Director of Network and Resource Development

Adnan joined Islamic Relief in 2004 as a regional fundraiser in the UK. He worked in multiple roles over 10 years at Islamic Relief UK, including setting up the first digital team and leading the growth of digital fundraising and engagement. Adnan also led numerous fundraising and marketing campaigns, which played a significant part in the growth of Islamic Relief UK.

Having moved to Islamic Relief Worldwide in 2014, Adnan has held different roles that have helped grow Islamic Relief’s global digital footprint into new geographic territories, supporting Islamic Relief members with their digital and marketing growth as well as developing new products and initiatives for the Islamic Relief family.

Adnan graduated in Industrial Design and Technology from Loughborough University. He has since completed an Advanced Diploma in Business Administration from Durham University and a Diploma in Digital Marketing from the Institute of Data and Marketing.

Board of Directors
Javed Akhtar

Director of Finance

Javed Akhtar has more than a decade of experience at Islamic Relief, having worked in a similar role between 2003-2014. In that role he strove to implement wide-ranging financial and accounting processes which aided in the transparent nature in which Islamic Relief now operates.

Javed also has diverse experience across the private sector, having worked at American chemicals and pharmaceutical giant DuPont, shipping firm FedEX and technology consultancy company Accenture. In all his roles, he prioritises using the latest technologies to improve monitoring and reporting at every level. Javed’s commitment to embracing digital end-to-end technology, enhancing accountability to our stakeholders and promoting financial transparency is ensuring that we remain at the forefront of financial developments in the sector.

By training, Javed is a chartered accountant with a Master’s degree in NGO Management with Charity Accounting and Financial Management from Cass Business School.
Board of Directors
Affan Cheema  

Director of International Programmes

Affan Cheema is an experienced leader who has spent 25 years working in the international aid sector on poverty eradication in Asia, Africa and the Middle East. He has worked in fast onset emergencies, protracted crisis and development environments whilst working for Islamic Relief Worldwide and Care International. He is also a trustee of South West International Development Network (SWIDN).

Through his career Affan has held numerous roles including institutional fundraising, programme and grant management, and programme quality assurance.  Affan’s leadership has helped Islamic Relief Worldwide secure the highly coveted Core Humanitarian Standard (CHS), seen as the sector’s premier benchmark for operational excellence.

Affan completed his BA in Economics and Geography from University of London (School of Oriental and African Studies) and his MSc in Development Administration and Planning from the University of Bristol. He is PRINCE2 qualified, is a keen sportsman and recently co-edited a book entitled -Islam and International Development: Insights for working with Muslim Communities-.
Board of Directors
Dr Hossam Said

Managing Director, Humanitarian Academy for Development (HAD)

For nearly three decades Dr Hossam has provided the strategic vision to manage, lead and develop a range of international humanitarian interventions around the world.

At the start of his career, Dr Hossam served on the Board of Directors of the Egyptian Medical Syndicate, before moving to Islamic Relief Worldwide to manage the core global business activities as International Programmes Director.

During this time the organisation increased its global reach, gaining both domestic and international repute and credibility. Dr Hossam has also served on the Islamic Relief Worldwide Board of Management and Executive Committee for the past 15 years; sharing responsibility for strategic organisational development and the change management process, whilst forging strong relationships with many other charities.

Dr Hossam gained an MBA from Aston Business School in 2004 and graduated as a Medical Doctor from Cairo University in 1981.
Board of Directors
Martin Cottingham  

Director of External Relations and Advocacy

Martin Cottingham joined Islamic Relief in 2012 as IRUK Media Relations Manager, and was appointed Head of Communications in 2015 before taking up his current position as Director of External Relations and Advocacy for Islamic Relief Worldwide.

Martin has helped Islamic Relief to increase its mainstream media profile and expand its campaigning work, producing hard-hitting advocacy reports on floods in Pakistan (2011) famine in Somalia (2012) disaster risk reduction (2013) and aid to Afghanistan (2014). He has over 20 years’ experience working in media, communications and marketing roles for international development and environmental charities.

Martin graduated from the University of London with a degree in English and Drama (1982-85) then trained as a journalist with a postgraduate diploma at City University (1986-87). He has previously worked for Christian Aid as Editor of Christian Aid News and Media Relations Manager (1988-97) for Oxfam as Regional Campaigns Manager (1997-2000) and at the Soil Association as Marketing Director (2001-2006), as well as working for a wide range of organisations as a freelance writer, researcher and communications consultant.

Tufail Hussain

Director of Islamic Relief UK

Tufail Hussain has 17 years’ experience in the humanitarian and development sector, leading on marketing and fundraising campaigns for several organisations before joining Islamic Relief UK in 2016 as Deputy Director. Tufail was appointed Director of Islamic Relief UK in 2019 and in 2021 provided valuable leadership as interim CEO of Islamic Relief Worldwide.

Tufail is driven by a passion for empowering disadvantaged youth and mentors a number of young people. He also works to strengthen engagement between British Muslims and wider society. Under his leadership, Islamic Relief UK has significantly increased its income and developed successful partnerships with communities across the country. He has travelled around the world to raise awareness of major emergencies such as the Syria, Yemen and Afghanistan crises and the floods in Pakistan and Sudan.

A father to 5 daughters and a son, Tufail is also a sports enthusiast and passionate Liverpool FC supporter. Tufail has run the London Marathon twice, raising over £35,000 for humanitarian causes.

Before joining Islamic Relief he was CEO of Orphans in Need, where he oversaw a new strategy that increased income from £2 million to £9 million in 3 years and opened up new UK and international offices. Tufail is also a trustee of the Muslim Charities Forum and a Director of TIC International (Islamic Relief Worldwide’s clothes recycling and trading arm).
Waseem Ahmad

Chief Executive Officer

Waseem Ahmad joined the Islamic Relief family over 24 years ago, serving as Programme Officer in the Balochistan province of south-western Pakistan before becoming Head of Programmes in Pakistan. Waseem then moved to Oxfam and Tearfund before returning to Islamic Relief to establish our mission in Malawi. Later serving as Head of Programme Funding and Partnerships, Waseem led the response to major crises across the globe, including the East Africa drought, Pakistan earthquake and the Indian Ocean Tsunami.

Waseem then served for nearly 6 years as our Director of International Programmes, during which time the charity secured and retained the coveted Core Humanitarian Standard certification in recognition of the quality of our programming. He was appointed CEO of Islamic Relief in May 2021.

With a special interest in community mobilisation and infrastructure, Waseem received an MSc in Project Planning and Management from the University of Bradford, as well as an MSc in Economics from Arid Agriculture University in Rawalpindi, Pakistan.

Waseem has also worked for Lepra Health in Action and is a member of the International Civil Society Centre’s Board of Trustees. The father-of-3 enjoys walking and playing football, and is a keen birdwatcher.