KARACHI. ABHI Microfinance Bank has signed a Memorandum of Understanding MoU with DigiKhata a leading digital ledger platform used by small and medium enterprises SMEs to enable structured financing solutions for businesses operating on DigiKhata’s platform.
Connecting SMEs with Formal Financial Services
The partnership is designed to connect digitally active SMEs with formal financial services. It allows eligible merchants and businesses on DigiKhata to access financing through ABHI Microfinance Bank. By combining DigiKhata’s digital business ecosystem with ABHI’s regulated banking infrastructure the collaboration aims to help SMEs unlock working capital and accelerate business growth.
Digital Ledger Platform Supports Credit Assessment
DigiKhata’s platform is widely used by small retailers and traders to manage sales credit and inventory records. It generates digital transaction trails that can support more informed credit assessment. Through this integration ABHI Microfinance Bank will be able to extend financing solutions to SMEs based on structured evaluation processes bringing more businesses into the formal credit landscape.
Addressing SME Growth Challenges
Industry experts note that access to timely working capital remains one of the biggest barriers to SME growth in Pakistan. By embedding financial services within digital platforms already used by businesses such partnerships are helping bridge the gap between informal trade and formal banking channels.
Supporting Business Expansion and Financial Inclusion
The initiative is expected to support business expansion inventory management and cash flow stability for small merchants enabling them to scale operations with greater financial confidence. The move also aligns with broader efforts to promote financial inclusion by bringing underserved business segments into the documented economy.
MoU Signing Ceremony
The MoU was formally signed by Mariam Pervaiz Chief Communications Officer ABHI Microfinance Bank and Adnan Aslam Chief Executive Officer DigiKhata. Also present at the ceremony was Kabeer Naqvi Entrepreneur in Residence at ABHI Financials along with representatives from both organisations.
Statement from ABHI Microfinance Bank
Mariam Pervaiz CCO ABHI Microfinance Bank said the collaboration reflects the Bank’s focus on empowering small businesses through technology driven finance. She stated SMEs are the backbone of Pakistan’s economy yet many remain outside the formal financial system. By partnering with DigiKhata we are meeting businesses where they already operate digitally and enabling access to responsible financing that can help them grow stabilise cash flows and scale sustainably.
Statement from DigiKhata
Adnan Aslam CEO DigiKhata highlighted the importance of linking digital record keeping with access to capital. He stated Small businesses today are generating valuable financial data through digital tools but access to formal credit has often remained out of reach. This partnership with ABHI Microfinance Bank creates a pathway for merchants on DigiKhata to turn their digital activity into financial opportunity supporting the next phase of their growth.
Broader Implications for Pakistan Financial Landscape
The partnership signals a broader shift in Pakistan’s financial landscape where digital platforms and banks are increasingly working together to build inclusive financial ecosystems that support entrepreneurship economic resilience and business formalization.
