Policy

Businesses in Pakistan and Their Access to Financial Services

Jun 29, 2020
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Businesses, large or small, are an important part of any society and fulfil various needs and functions. On one hand, they provide livelihood and employment to owners and workers, and on the other hand, they produce and distribute essential goods without which populations may not thrive.

Determinants of and Detriments to Financial Inclusion in Pakistan

Feb 12, 2020
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Access to financial services has been a subject of increasing policy debate in developing countries. Financial inclusion is important as it reduces poverty and inequality, allows poor people to smooth out their consumption and invest in their futures through education and health.

Financial Inclusion: Demand Side Surveys and Definitional Issues in Pakistan

Dec 24, 2019
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Digital finance and financial inclusion offer several benefits not only to financial services users but also to digital finance providers, governments and the economy at large as well.

Mapping Creditworthiness of Unbanked Population

Oct 14, 2019
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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.

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

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 State Bank's New Regulations for Prepaid Cards

May 12, 2016
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Karandaaz Pakistan published a blog post on the use of prepaid cards in Pakistan. Among the needs discussed was a clear framework for the KYC requirements governing Pakistan’s prepaid market. That regulation arrived earlier this week.
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