Bridging the Credit Gap: ABHI Microfinance Bank and DigiKhata Join Hands to Finance Pakistan’s SMEs. -

In a major step toward financial inclusion, ABHI Microfinance Bank has signed a Memorandum of Understanding (MoU) with DigiKhata to unlock structured financing for small and medium enterprises (SMEs). This partnership allows thousands of small retailers and traders who use DigiKhata’s digital ledger to access formal credit and working capital through ABHI’s regulated banking infrastructure.

Key Highlights of the Partnership:

Data-Driven Lending: ABHI Microfinance Bank will utilize the digital transaction trails generated on the DigiKhata platform to perform more accurate credit assessments.
Underserved Support: The collaboration targets small businesses that were previously underserved by traditional banking due to a lack of formal documentation.
Strategic Leaders: The agreement was signed by Mariam Pervaiz (Chief Commercial Officer, ABHI Microfinance Bank) and Adnan Aslam (Founder & CEO, DigiKhata).
Impact: Both leaders emphasized that this move would help merchants stabilize cash flows, manage inventory more effectively, and scale their operations with confidence.

This collaboration is set to bridge the gap between informal trade and formal banking, empowering the “backbone of Pakistan’s economy” through technology-driven finance.