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DFS: Regulatory and Fiscal Impediments

Jun 28, 2019
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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.

Enhancing Savings through Digital Means

May 8, 2019
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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).

The Unbanked: A hundred-million question

Mar 15, 2019
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In the context of developing countries like Pakistan, financial inclusion is generally considered to be more about broadening the access of formal financial services (payments, savings, loans, insurance products etc.) to individuals and Small & Medium Enterprises (SMEs) that are currently out of the banking system.

Blog on Agent onboarding and KYC requirements

Jan 30, 2019
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Financial inclusion has been globally recognized as an important indicator of economic development. According to the World Bank’s Findex 2017 report, only 21.3% Pakistani adults have a formal bank account or about 6% of the world’s unbanked population lives in Pakistan.

Employment Generation through Housing Industry in Pakistan

Dec 7, 2018
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Pakistan’s rising housing shortage is alarming. The gap has been widening due to population growth and an emerging trend in rural to urban migration.

The Karandaaz Women Entrepreneurship Challenge

Aug 28, 2018
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Karandaaz has taken a unique step in transforming the lives of women entrepreneurs in Pakistan, since only 22.4% women are employed in Pakistan.

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