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Investment with Impact

PKR 30B
PKR 30B spent on
MSMEs finance*
PKR 51B
PKR 51B additional
revenue for SMEs
PKR 1035M
PKR 1,035M spent for
digital financial inclusion
775K
Over 775,000
enterprises supported*
PKR 295M
PKR 295M spent on
66 women-led enterprises
816K
About 816K
jobs supported*

Karandaaz News

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Karandaaz Stories

Dr. Shamshad, Chairperson Karandaaz, talks about the SEED agreement
Speaking at the occasion, Dr. Shamshad said, "This grant from DFID will help bridge the financing gap and enable the emergence of sustainable and efficient energy for Pakistan’s private...
Navid Goraya, CIO Karandaaz discusses SEED Programme
A UK commitment to provide financing for renewable energy and energy efficiency to Pakistan’s industrial Small and Medium Enterprises (SME) sector has been signed by the Department...
Ali Sarfraz, CEO Karandaaz explains SEED Programme
Ali Sarfraz said, "Karandaaz is proud to have established itself in a short span of time as a trusted partner of DFID to implement this additional focused financing programme for sustainable...
Joanna Reid, Head of DFID Pak on SEED Programme
A UK commitment to provide financing for renewable energy and energy efficiency to Pakistan’s industrial Small and Medium Enterprises (SME) sector has been signed by the Department...
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Karandaaz Blog

Mapping Creditworthiness of Unbanked Population

Conventional banking has typically focused on the 5Cs of “Credit” – character (identity), collateral (security), capacity (to repay), capital (savings, investments, or other assets), and conditions (usage of loan) – while making lending decisions.
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DFS: Regulatory and Fiscal Impediments

Several governments in developing world, along with the donor community, seem keen on developing an “enabling environment” for digital financial services (DFS)[1]. DFS is seen as a pathway towards financial inclusion, which is being promoted as part of global development agenda.
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Enhancing Savings through Digital Means

Pakistani individuals, firms and government are not generating enough savings to meet the economy’s investment requirements. This lack of domestic savings results in an inherent dependence on “foreign inflows” in the form of remittances, issuance of sovereign bonds/loans and flows under Foreign Direct Investment (FDI).
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