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Starting Date Wednesday, January 27, 2016
Closing Date Tuesday, February 02, 2016
Status Open
Question Title Policies of State Bank of Pakistan
Question Description

Discussion Material:

Financial inclusion is providing the financial services to low income or to the section of the society where the access to financial services is limited in contrast to the financial exclusion where these services are not available or affordable.

Pakistan’s initiatives towards achieving the financial inclusion are apparently paying off and some, though nominal, improvement is visible in the outreach of formal financial services. But, at its current level, financial inclusion is still not wide and strong enough to make a real impact on sustainable economic development. Various societal segments and sub-economic groups remain deprived of access to formal financial services, while the distribution of these services remains uneven from various angels. This continues to the growth of black economy. According to the official data, 16% of the adult population now has a bank account, including mobile wallets as compared to 11% in 2008. Whereas; women were only 4% who have access to formal financial services in 2008 but now more than 3 times (11%) women have access to financial services.

The SBP has taken several initiatives for the financial inclusion since 2008 and now statistics proved them successful. The policies includes mobile banking, franchising to provide limited banking services with cellular phone companies, focus on Islamic financing and allowing micro financing banks to spread their wings and reforms in agricultural credit programs.  The survey results are revealed and it came to know that there are two types of exclusion voluntary and non-voluntary but Government is playing more active role in removing voluntary exclusion. The purpose of survey is to gauge the impact of SBP policies of financial inclusion and to obtain the baseline data for central bank’s National Financial Inclusion Strategy.  Another measure of SBP to reduce financial exclusion is Islamic banking. There are many areas of involuntary exclusion where the central bank alone can make lots of improvements. Discrimination, lack of information, weak contract enforcement, product features and price barriers due to market imperfection etc. are generally the reasons of involuntary exclusion. However, government and SBP are required to work seriously in regard to financial exclusion to drive a real success.


  • Can banks consider financial exclusion as untapped area for growth? What types of financial exclusion have been identified in the above paragraphs?


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1. What Is Financial Exclusion?


Financial exclusion means the inability to access necessary financial services in an appropriate form. Exclusion can come about as a result of problems with access, conditions, prices, marketing or self-exclusion in response to negative experiences or perceptions.



2. How Much Financial Exclusion?



 About 1.5 million households in Britain (7% of all households and over two million adults) do not use any mainstream financial services at all. A further20% are on the margins of financial services and use just one or two services - normally a single bank account.


Over 10.5 million people (28% of all people in households) experienced financial insecurity in 1999; i.e. they could not afford to save, insure the contents of their homes or spend money on themselves.


 About 30% of households in Britain in 1997/98 said that they had nosavings or investments at all. The comparable figure for Scotland was 22%.


66% of the British public believes that regular savings of £10 a month are essential for every adult household, yet 10 million people (21% of the population) could not afford this.


The proportion of households without savings or assets doubled between1979-1996.


Estimates of the proportion of people in the UK without different types of bank or building society account vary from between 7% of the population (



Million adults) with neither a current nor savings account at all, up to 23%without a current account.


The Social Exclusion Unit calculates that about 10% of the UK adult population (equivalent to 4 million people) is without a bank or building society account

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nai ye solution nai he just help..


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