Bringing Finance to Pakistan's Poor : Access to Finance for Small Enterprises and the Underserved

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dc.creatorThioro Niang, Cecile
dc.creatorNenova, Tatiana
dc.creatorAhmad, Anjum
dc.date2013-06-05T21:31:09Z
dc.date2013-06-05T21:31:09Z
dc.date2009-11-13
dc.date.accessioned2026-07-01T00:54:51Z
dc.descriptionAccess to financing is now widely acknowledged as a path to meaningful economic inclusion and reduction in poverty. Policy efforts to increase access to finance in Pakistan have taken time to bear fruit, but now access is indeed expanding quickly in certain financial sectors (microfinance, remittances), albeit from a very low base. Nevertheless, policy measures cannot single-handedly increase financial access; financial institutions' willingness to expand access in Pakistan has been stinted by slow technologic advances, weak legal foundations, and unsuitable financial processes and products. Poor socioeconomic conditions, gender bias, and low levels of basic education and financial literacy remain barriers, but perhaps the single strongest driver of low demand for financial access has been income. The primary purpose of this study is to measure and describe the state of financial service provision to underserved segments of the market in Pakistan, particularly those with low incomes and small enterprises, and to identify ways to improve investment and create inclusive markets that meet the needs of underserved people and enterprises.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifier978-0-8213-8030-7
dc.identifierhttps://hdl.handle.net/10986/13803
dc.identifierhttps://doi.org/10.1596/978-0-8213-8030-7
dc.identifier.urihttp://hdl.handle.net/123456789/412870
dc.languageen_US
dc.publisherWashington, DC: World Bank
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo
dc.rightsWorld Bank
dc.subjectFinance
dc.subjectAccess to Banking
dc.subjectAccess to Finance
dc.subjectaccess to financial services
dc.subjectAccess to Financing
dc.subjectaccess to formal finance
dc.subjectaccess to services
dc.subjectaccessibility
dc.subjectaccount holders
dc.subjectagricultural banks
dc.subjectagricultural credit
dc.subjectagricultural finance
dc.subjectAnti-Money Laundering
dc.subjectApplication Process
dc.subjectATM penetration
dc.subjectbalance sheet
dc.subjectBank Access
dc.subjectbank accounts
dc.subjectbank assets
dc.subjectbank borrowers
dc.subjectbank branch
dc.subjectBank Branches
dc.subjectBank Credit
dc.subjectbank deposits
dc.subjectbank lending
dc.subjectBank Loans
dc.subjectbanking service
dc.subjectbanking services
dc.subjectBanking System
dc.subjectBanks
dc.subjectbenefits of access
dc.subjectbig banks
dc.subjectborrower
dc.subjectbroad access
dc.subjectBusiness Development
dc.subjectcapacity building
dc.subjectcapital adequacy
dc.subjectcapital requirement
dc.subjectcapital requirements
dc.subjectcentral bank supervision
dc.subjectcollateral requirements
dc.subjectCommercial Bank
dc.subjectcommercial banking
dc.subjectcommercial banks
dc.subjectConsumer credit
dc.subjectConsumer finance
dc.subjectconsumer lending
dc.subjectconventional banks
dc.subjectCooperative Bank
dc.subjectcooperatives
dc.subjectCredit Associations
dc.subjectcredit bureau
dc.subjectcredit bureaus
dc.subjectcredit constraints
dc.subjectcredit histories
dc.subjectcredit history
dc.subjectcredit information
dc.subjectcredit lines
dc.subjectCredit Market
dc.subjectcredit requirements
dc.subjectcreditworthiness
dc.subjectcrop insurance
dc.subjectcultural norms
dc.subjectDebt
dc.subjectdemand for savings
dc.subjectDeposit
dc.subjectdeposit accounts
dc.subjectdeposit mobilization
dc.subjectdepositor
dc.subjectdepositors
dc.subjectDeposits
dc.subjectDevelopment Bank
dc.subjectDevelopment Finance
dc.subjectDevelopment Finance Institutions
dc.subjectdiversification
dc.subjectdown market
dc.subjectearnings
dc.subjecteconomic development
dc.subjecteconomic growth
dc.subjectenterprise credit
dc.subjectentrepreneurs
dc.subjectethnic group
dc.subjectExchange Commission
dc.subjectExchange rate
dc.subjectexternal finance
dc.subjectFarmer
dc.subjectFarmer financing
dc.subjectfarmers
dc.subjectfemale client
dc.subjectFemale Clients
dc.subjectFinancial Access
dc.subjectfinancial assets
dc.subjectfinancial development
dc.subjectFinancial Education
dc.subjectFinancial exclusion
dc.subjectfinancial infrastructure
dc.subjectfinancial institutions
dc.subjectfinancial instruments
dc.subjectfinancial intermediary
dc.subjectfinancial intermediation
dc.subjectFinancial Literacy
dc.subjectFinancial Market
dc.subjectfinancial markets
dc.subjectfinancial needs
dc.subjectfinancial product
dc.subjectFinancial Products
dc.subjectfinancial provider
dc.subjectFinancial Sector Assessment
dc.subjectfinancial sector reforms
dc.subjectfinancial service
dc.subjectFinancial Services
dc.subjectfinancial system
dc.subjectFinancial Systems
dc.subjectFixed Capital
dc.subjectforeign currency
dc.subjectformal financial institution
dc.subjectformal financial institutions
dc.subjectformal financial sector
dc.subjectformal financial services
dc.subjectforms of collateral
dc.subjectGender
dc.subjectgender bias
dc.subjectgender divide
dc.subjectgender segregation
dc.subjectgovernment policy
dc.subjectgreater access
dc.subjectgroups of people
dc.subjectguarantor
dc.subjecthousehold access
dc.subjectHousehold Income
dc.subjecthouseholds
dc.subjecthousing finance
dc.subjectincome groups
dc.subjectInformal Borrowing
dc.subjectinformal credit
dc.subjectInformal Finance
dc.subjectinformal financing
dc.subjectInformal Savings
dc.subjectinformation infrastructure
dc.subjectinformation on markets
dc.subjectinstallments
dc.subjectinstitutional investor
dc.subjectInterest Rates
dc.subjectInternational Bank
dc.subjectinternational banks
dc.subjectkey challenge
dc.subjectkey challenges
dc.subjectLack of access
dc.subjectLack of Information
dc.subjectlending portfolio
dc.subjectlevels of access
dc.subjectlimited access
dc.subjectlimited access to bank
dc.subjectLoan
dc.subjectloan amount
dc.subjectLoan Application
dc.subjectloan applications
dc.subjectLoan Portfolio
dc.subjectloan processing
dc.subjectloan processing times
dc.subjectLoan Product
dc.subjectLoan Size
dc.subjectlow interest rate
dc.subjectMFI
dc.subjectMFIs
dc.subjectMicro Finance
dc.subjectmicrocredit
dc.subjectMicrofinance
dc.subjectMicrofinance Institution
dc.subjectmicrofinance institutions
dc.subjectmicrofinance lending
dc.subjectMicrofinance loans
dc.subjectmicroinsurance
dc.subjectMoney Orders
dc.subjectMoney Transfer
dc.subjectmoney transfers
dc.subjectmoneylenders
dc.subjectMortgage
dc.subjectMortgage lending
dc.subjectMovable Collateral
dc.subjectoperating costs
dc.subjectOutreach
dc.subjectpartner banks
dc.subjectpayment services
dc.subjectPoint of Sale
dc.subjectPoor Access
dc.subjectprejudice
dc.subjectprivate enterprises
dc.subjectprivatization
dc.subjectProfitability
dc.subjectPublic-Private Partnerships
dc.subjectreceipts
dc.subjectRemittance
dc.subjectRemittances
dc.subjectrepayments
dc.subjectrisk management
dc.subjectRotating Credit
dc.subjectrural client
dc.subjectRural Credit
dc.subjectrural finance
dc.subjectSavings
dc.subjectsavings account
dc.subjectSavings Accounts
dc.subjectSavings Bank
dc.subjectsavings products
dc.subjectSecurities
dc.subjectSmall business
dc.subjectsmall business loan
dc.subjectsmall enterprise
dc.subjectSmall Enterprises
dc.subjectstart-up
dc.subjecttechnical assistance
dc.subjecttransaction costs
dc.subjectUnion
dc.subjectUrban Areas
dc.subjectUrban Bank
dc.subjectvillage
dc.subjectvulnerable groups
dc.subjectWorking Capital
dc.titleBringing Finance to Pakistan's Poor : Access to Finance for Small Enterprises and the Underserved

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