ASA Pakistan has branches in two provinces (Punjab and Sindh), with the largest number of branches in the Punjab province.
Microfinance is still relatively new to Pakistan. It has a less developed microfinance sector than its Asian peers. While the sector has grown significantly in the last 8 years, there is still a huge market opportunity to reach the massive low-income segment of the market. Until 2000, the main providers of microfinance in Pakistan were NGOs and government-sponsored rural support networks. With few exceptions, these institutions are generally not specialized in microfinance, nor have they demonstrated financial sustainability.
Despite the growing number of microfinance institutions, there is still a notable lack of penetration and efficiency in the Pakistani MFIs market. The newer institutions are growing rapidly, but total outreach of these organizations is still only around 35% of the estimated 20.5 million low-income people in Pakistan.
|Population demographics |
Source: Census 2017, Economic Survey 2018
|Below poverty line||24.30%|
|Microfinance demographics |
Source: Microwatch issue 51 Q1, Jan - Mar 2019
|Estimated # of MF clients / potential||20.5m|
|Served / penetration||34.70%|