Page 9 - Case Studies-NIBAF
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credit due diligence process, socio-economic conditions of community Highlights
among others in the backdrop and resultant risks of repayments. The situa-
tion exacerbates further due to the irresponsible show off of the promoter Case Scenario
towards his promised responsibilities that sparked the adversaries. The FFS
A financial institution enters the venture of financing
management tries to control the fiasco by transferring portfolio, but it turns
female farmers under SBP’s women entrepreneurship
out to be a double debacle.
refinancing scheme. What turns out to be a loud success
On the brighter side, the case investigation reveals instances where direct
initially, doldrums with number of challenges.
financing was offered to lady farmers for local animal breeds, it displayed
exemplary results. The level of women farmers’ satisfaction within this mode Case Protagonists
of financing, even under the prevailing pandemic of the century signified - Karamatullah, a seasoned banker and his team.
the true essence of women empowerment as envisioned under the - Mir Saqaf, a promoter selected under dairy value
refinancing scheme by the State Bank of Pakistan (SBP). chain project for women.
The case concludes with the questions of moral hazard and adverse selec- - Lady farmers of district Ghizer of GB, KPK and AJK.
tion on the part of some stakeholders involved while offering leeway of
thought provocation to the learners with a number of scenarios. Problem-Decision Situation
Keeping portfolio alive, merits/demerits of underlying
decision, issues of moral hazard & adverse selection and
alternative approaches.
Desired Learning Outcome Areas
Women’s access to finance, credit risk assessment, Agri.
Finance, SME (VCF), leadership roles, project manage-
ment, cultural norms and creeping challenges in financ-
ing to women etc.
Karamber Lake, Ishkomen valley at an altitude of some 4,200 meters above the sea level.
