Karandaaz
ו- Walee משיקות
את תוכנית המימון הראשונה בפקיסטן התואמת לשריעה לנשים יזמיות
Karandaaz
Pakistan ו-Walee Financial Services נכנסו לשותפות אסטרטגית להשקת
"Khudmukhtar Khatoon", הפתרון הדיגיטלי הראשון של פקיסטן, תואם שריעה,
למימון נכסים המיועד אך ורק לנשים יזמיות.
טקס
החתימה של Karandaaz & Walee
הפרויקט,
שהושק כשלב מוצר מינימלי בר-קיימא (MVP), יתמקד במגזרים עם השתתפות גבוהה של נשים
יזמיות
איסלמבאד, פקיסטן, 23 באוקטובר 2025 (GLOBE NEWSWIRE) –
איסלמבאד, פקיסטן - וואלי: Karandaaz Pakistan
ו-Walee Financial Services נכנסו לשותפות אסטרטגית להשקת "Khudmukhtar
Khatoon", הפתרון הדיגיטלי הראשון של פקיסטן, תואם שריעה, למימון נכסים
שתוכנן אך ורק עבור נשים יזמיות. השותפות גובשה רשמית בטקס חתימה בקרנדאז,
בהשתתפות ההנהלה הבכירה משני הארגונים.
Karandaaz, Walee Launch Pakistan’s First Shariah-Compliant
Financing Program for Women Entrepreneurs
Karandaaz Pakistan and Walee Financial Services have entered into
a strategic partnership to launch “Khudmukhtar Khatoon”, Pakistan’s first
Shariah-compliant, digital, asset-financing solution exclusively designed for
women entrepreneurs.
Islamabad, Pakistan, Oct. 23, 2025 (GLOBE NEWSWIRE) –
ISLAMABAD,
PAKISTAN - WALEE: Karandaaz Pakistan and Walee Financial Services have
entered into a strategic partnership to launch “Khudmukhtar Khatoon”,
Pakistan’s first Shariah-compliant, digital, asset-financing solution
exclusively designed for women entrepreneurs. The partnership was formalised at
a signing ceremony at Karandaaz, attended by senior leadership from both
organisations.
The
Khudmukhtar Khatoon initiative addresses one of the most persistent barriers
faced by women-led businesses in Pakistan: access to meaningful,
growth-oriented finance. Unlike conventional loan structures, this program
offers Shariah-compliant, asset-based financing, enabling women entrepreneurs
to receive essential business assets rather than cash disbursements. By
directly linking financing to productive inputs, the project ensures that
resources translate into sustainable business growth.
The program
introduces a tier-based framework, enabling inclusivity for women at different
stages of their entrepreneurial journeys, whether they are aspiring home-based
business owners with limited records, or established, formally structured
enterprises. Each tier is matched with tailored financing support aligned with
business maturity and growth potential.
Launched as
a Minimum Viable Product (MVP) phase, the project will focus on sectors with
high participation from women entrepreneurs: apparel and tailoring, food
services, and beauty services. The MVP aims to serve as a testing ground for
evaluating demand, operational processes, and product-market fit, paving the
way for nationwide scale-up. The vision is to develop, test, and validate
Pakistan’s first Shariah-compliant digital financing model tailored for women
entrepreneurs.
Representing
Walee Financial Services at the ceremony were Noshad Minhas, CEO
& Co-Founder; Adnan Akhtar, Head of Finance & Compliance;
and Khushba Hayat, Partner Investments. From Karandaaz
Pakistan, Waqas ul Hasan, Chief Executive Officer; Sharjeel
Murtaza, Chief Digital Officer; and Samia Salik, Lead – Women’s
Economic and Digital Inclusion, participated in the signing.
Highlighting the company’s commitment to women’s financial inclusion, Waqas ul Hasan, Chief Executive Officer at Karandaaz Pakistan, said: “Women’s economic participation is central to Pakistan’s national development agenda and one of the key priorities of the Gates Foundation. Through Khudmukhtar Khatoon, Karandaaz is proud to pioneer a model that meets the financing needs of women entrepreneurs but does so in a way that aligns with local values and economic priorities. This collaboration with Walee Financial Services is a step toward building inclusive financial systems that enable women to become active contributors to Pakistan’s growth. The project has demonstration potential, and we need to join hands to close the gender gap in financial inclusion in Pakistan”
Speaking at
the ceremony, Noshad Minhas, CEO & Co-Founder of Walee Financial Services,
stated: “Khudmukhtar Khatoon is a step toward empowering women
entrepreneurs with dignity, choice, and sustainable growth opportunities. We
are proud to partner with Karandaaz to pilot this innovative, Shariah-compliant
model that can redefine access to finance for women in Pakistan.”
The
Khudmukhtar Khatoon pilot will serve as a proof of concept for a
first-of-its-kind, women-focused, Shariah-compliant asset financing product in
Pakistan. The program will generate critical learnings on product design,
operational performance, and women’s financial needs, with the ambition to
scale and mainstream such solutions across the country.
Speaking
about the initiative’s innovation and inclusivity, Sharjeel Murtaza, Chief
Digital Officer at Karandaaz Pakistan, said: “Financial inclusion must go
beyond access. It must create pathways for women to thrive as business leaders.
This initiative combines innovation, Shariah compliance, and inclusivity to
test a scalable model for women’s economic empowerment. Khudmukhtar Khatoon
reflects our mission to bridge systemic gaps and enable women entrepreneurs to
achieve their potential.”
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