Pakistan

Institutions providing microfinance services in Pakistan include: microfinance banks (MFBs), microfinance NGOs, and commercial banks, along with government-supported Rural Support Programs (RSPs). MFBs and commercial banks are regulated by the State Bank of Pakistan (SBP). Microfinance NGOs and RSPs, neither of which can accept deposits, are registered by either the Securities and Exchange Commission of Pakistan or provincial authorities. Pakistan has a specialized law for MFBs, the Microfinance Institutions Ordinance, and prudential regulations for MFBs. There are also specific guidelines on Islamic microfinance issued by the SBP. A pilot Microfinance-Credit Information Bureau developed through a public-private partnership among the SBP, the microfinance industry and a private sector credit bureau was launched in May 2010 in Lahore.

Publications

26 February 2016
While there has been renewed appreciation for how reaching smallholder households could drive financial inclusion, little is known about this unique, yet massive client group.
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English (15 pages) | Portuguese (21 pages)
25 February 2016
CGAP's Smallholder Diaries explores the financial lives of farming families in Mozambique, Tanzania and Pakistan.
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English (108 pages) | English (16 pages) | French (108 pages) | Spanish (111 pages)

From Our Blog

Graphic: Smartphone user testing screen
17 January 2017
Smartphone use in Pakistan has grown steadily, but low-income, less educated, and female customers lag in smartphone adoption and ownership. GRID Impact's user research lends insights into how to better serve and design for these population segments.
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Karandaaz report cover
26 October 2016
Karandaaz Pakistan recently undertook the first-ever systematic review of digital person-to-government (P2G) payment efforts from across the globe. What did they find, and what are the implications for future P2G digitization efforts?
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