Kashtkar Karza
Pakistan
FINCA Kashtkar Karza is a lending product tailored for farmers in Pakistan. The digital/mobile platform for lending provides the farmers with a range of banking and financial services including a simple and easy way to apply for a loan. It allows them to not only expand their farming business but also benefit from affordable repayments. The digital system has been tailored to map the repayment mechanism that is synced with crop cycles to ease repayment. It also automatically calculates the disbursement amount which becomes available in their account in an extremely short time. It is active since 2019 and offering services through web based solution and mobile app
Digital Solution (DS) Category
Digital Finance
Digital Solution Type (sub-category)
Financial services and credit
Delivery type (format)
Web based platform
Mobile app
DS supplier-user category
Business to business
Business to consumers
Type of entity (ICT developer-supplier)
Multi-partners
Name of supplier/developer
FINCA Microfinance Bank Limited
Primary Users
Farmers , Banks / financial institutions
Digital Solution Development Stage
Commercial stage (broad use use locally)
Number of users or subscribers
27,000 farmers currently accessing loans via the Kashtkar Karza service
Measurable positive impact(s) by Digital Solution (DS) on target users and/or audience
PKR 2.2 billion loans disbursed with an average loan size of PKR 130,000 per farmer
Digital Solution Geographic scope
All over Pakistan
Name of Digital village(s), districts, communes where DS is used/deployed
On-line resource links (Web-page links, links to videos, links to reports, etc)
DS Links to FAO, UN and other Development agencies projects, initiatives and programmes