The Securities and Exchange Commission of Pakistan (SECP) has approved a new digital financing product aimed at improving access to capital for women entrepreneurs and strengthening financial inclusion across the country.
The initiative, named “Khud Mukhtar Khatoon,” will be launched by Walee Financial Services. The product is designed to provide asset-based financing ranging from Rs. 100,000 to Rs. 1.5 million, enabling women to invest in machinery, equipment, and other business-related assets.
According to SECP officials, the financing facility will be fully digital and Shariah-compliant. Applicants will be able to apply through the “Hakeem” mobile application, making the process more accessible and efficient for women entrepreneurs across Pakistan.
The repayment structure has been designed on equal monthly installments over a one-year period, allowing borrowers to manage repayments in a structured and predictable manner while supporting small business growth.
The SECP emphasized that promoting women’s financial independence and entrepreneurial participation remains a key regulatory priority. The initiative is expected to help reduce barriers faced by women in accessing formal credit channels.
Data shared by the regulator shows that lending non-banking financial companies disbursed Rs. 111 billion in financing between July and December 2025. This financing supported nearly 7.5 million micro and small businesses during the six-month period, highlighting the growing role of digital and alternative lending platforms in Pakistan’s financial ecosystem.
