Micro-Retailer Financing – The Next Level in the Digital Financial Services Domain

Jun 26, 2023
Kiryana Stores" or micro-retailers are the lifeblood of local communities, bridging the divide between consumers and both local and international Fast Moving Consumer Goods (FMCG) giants such as Unilever, P&G, and National Foods.

Five Key Take Aways – Climate Smart, Affordable Housing in Pakistan

Jun 16, 2023
In November 2022, Karandaaz Pakistan held a webinar to launch its latest study on the potential of climate-smart, affordable housing in Pakistan. Industry leaders and other key stakeholders came together to discuss the housing needs in Pakistan and the impact green initiatives can have in meeting the needs of low-income groups who are most vulnerable to the impact of climate change.

The Urgent Need for Climate-Smart, Affordable Housing in Pakistan

Jun 13, 2023
The recent devastating floods in a Pakistan remind us of the urgent need to facilitate the development of quality affordable, climate-smart housing in Pakistan

Cost of tax compliance: Undoing SME growth

Mar 25, 2023
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?

Mar 16, 2023
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

Mar 2, 2023
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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