The Securities and Exchange Commission of Pakistan (SECP) has officially approved a revolutionary, Shariah-compliant digital financing product named “Khud Mukhtar Khatoon” (Independent Woman) to foster women’s entrepreneurship and economic independence. Under this breakthrough policy, female entrepreneurs can now secure asset financing ranging from PKR 100,000 to PKR 1.5 million specifically for purchasing business machinery, essential equipment, and other core operational assets, effectively eliminating their capital constraints.
This innovative product is entirely digital and Shariah-compliant, designed to completely eliminate traditional paperwork and tedious office visits. Aspiring businesswomen can apply for financing directly and seamlessly online through the “Hakeem” mobile application, with the added convenience of repaying the acquired amount through Equated Monthly Installments (EMIs) over a flexible one-year tenure.
Highlighting the scale of this financial ecosystem, recent SECP data reveals that listed Non-Banking Finance Companies (NBFCs) disbursed a staggering PKR 111 billion between July and December 2025, benefiting nearly 7.5 million micro and small businesses across the country. With the launch of the “Khud Mukhtar Khatoon” product, women entrepreneurs are now being positioned to become a major, driving part of this rapidly expanding financial network.
