Investment with Impact

PKR 70.1B
MSME financing leveraged via
Karandaaz supported facilities*
PKR 100.2B
Additional revenue generated by
Karandaaz supported SMEs
PKR 5.5B
Spent on digital financial services
Over 850.6K
MSMEs supported* *
PKR 764M
Capital provided to
105 women-led enterprises* * **
Over 1,022
Jobs supported* *
*Includes Karandaaz share in both debt and equity instruments 
* * Includes 847K micro-enterprises and 946K jobs supported through Pakistan Microfinance Investment Company (PMIC)
* * * Includes growth capital, COVID support, business development and capacity building support provided through technical assistance.

KARANDAAZ NEWS

Karandaaz Pakistan partners with foodpanda to increase digital payments in the country

Karandaaz Pakistan and foodpanda Pakistan recently signed an agreement which aimed to increase financial inclusion in the country by facilitating the onboarding of customers

Karandaaz Launches Report on The State of Business Taxation in Pakistan – Challenges for SMEs

Karandaaz Pakistan arranged a webinar on 15th March, 2023 to launch its latest study on The State of Business Taxation in Pakistan – Challenges for SMEs.

Karandaaz Pakistan Signs Data Sharing Agreement with TASDEEQ Credit Bureau

On March 1, 2023 Karandaaz Pakistan signed a data sharing agreement with TASDEEQ, a private credit bureau operating in Pakistan.

K-FIS 2022 Shows that Financial Inclusion in Pakistan Increased by 9 Percentage Points Between 2020 and 2022

Karandaaz Pakistan hosted a webinar to share key findings of the Karandaaz Financial Inclusion Survey 2022 (K-FIS), a nationally and provincially representative demand side survey tracking financial inclusion in the country.

KARANDAAZ STORIES

Webinar: Climate-Smart, Low-Income Housing in Pakistan

Webinar: Renewable Energy and Energy Efficiency – Opportunities and Challenges in Pakistan

Make RAAST a part of your celebrations!

Wahdat Farms – Karandaaz Capital

Raast- Pakistan’s Instant Payment System

Webinar: NBFCs in Pakistan – Regulatory Landscape and Bottlenecks

Karandaaz Pakistan partners with EBR Energy Pakistan

Women Ventures – Nisha Beauty Salon

WV – Bear Necessities

Women Ventures – Resilient Women Leaders

RAAST TVC Ad

HackaDesign: Ideate, Prototype, Pitch

Innovation Challenge Fund 2021

SME Finance Forum Dialogue II – Views from the Middle East

Women Ventures – Rafia Zahid, CEO of Tippitoes

Webinar: Cloud-based Innovation

Impact of COVID on Pakistan’s SMEs

Karandaaz Fintech Talks – Haball Pakistan

Mark Suzman, CEO, Bill & Melinda Gates Foundation, talks about Raast

Karandaaz Pakistan Intro Video

Ali Sarfraz, CEO Karandaaz explains SEED Programme

Karandaaz WEC2018 Investee: M-Tex

Karandaaz WEC2018 Investee: Webworks

WEC2018 Participant – New Age Flour Mill

Financing Growth in the Auto sector

Zafar Hussain, District Sargodha

KARANDAAZ BLOG

Cost of tax compliance: Undoing SME growth

Since its independence, there has been no shortage of foreign assistance in Pakistan, frequently and irrevocably tied to foreign advice and “conditions”. Reforms to mobilize and shore up its coffers in a sustainable manner have failed to achieve the desired outcomes leading to Debt to GDP trailing greater than 50 per cent over the last two decades and exceeding 70 per cent many times during recent years. Pakistan has a crippling and long-running debt problem.

Withholding-ization: Where is the reform?

According to the Federal Bureau of Revenue (FBR) database, only about a fourth of the tax collections in the country come through direct taxes. The majority—historically, 60-70% of taxes are indirect taxes—mainly sales tax and customs duties.

Pakistan’s Gender Gap in Adoption and Usage of Mobile Money Wallets

The Karandaaz Financial Inclusion Survey (K-FIS) 2022 reports a remarkable increase in the levels of financial inclusion in Pakistan. According to the survey, 30% of Pakistani adults are estimated to be financially included, which is a significant increase from previous years.

KARANDAAZ BLOG

Cost of tax compliance: Undoing SME growth

Since its independence, there has been no shortage of foreign assistance in Pakistan, frequently and irrevocably tied to foreign advice and “conditions”. Reforms to mobilize and shore up its coffers in a sustainable manner have failed to achieve the desired outcomes leading to Debt to GDP trailing greater than 50 per cent over the last two decades and exceeding 70 per cent many times during recent years. Pakistan has a crippling and long-running debt problem.

Withholding-ization: Where is the reform?

According to the Federal Bureau of Revenue (FBR) database, only about a fourth of the tax collections in the country come through direct taxes. The majority—historically, 60-70% of taxes are indirect taxes—mainly sales tax and customs duties.

Pakistan’s Gender Gap in Adoption and Usage of Mobile Money Wallets

The Karandaaz Financial Inclusion Survey (K-FIS) 2022 reports a remarkable increase in the levels of financial inclusion in Pakistan. According to the survey, 30% of Pakistani adults are estimated to be financially included, which is a significant increase from previous years.

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Non-profit company registered under Section 42 of the Companies Act, 2017