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Articles

  • Jan 18, 2025 | thenews.com.pk | Nadeem Hussain

    Pakistan and India are widely seen as archrivals, shaped by decades of conflict and mistrust. Yet, in the shadow of this rivalry lies a higher calling that transcends borders: the universal mission of education. In a world divided by politics, education stands as a shared human cause. While the two nations may seldom celebrate each other, the pursuit of learning offers a rare and vital common ground.

  • Nov 12, 2024 | dawn.com | Nadeem Hussain |Jawad Ahmed |Jawed Naqvi

    IN a country where the young have hardly anything to look forward to, where ministers and advisers on youth affairs are not really in their ‘youth’, and where the state has continuously disappointed the aspirations of some of nation’s brightest minds, it is very difficult to find inspiration from within. With each passing day, Pakistan’s most talented and educated young women and men are increasingly making the difficult decision to leave the country.

  • Aug 6, 2023 | dawn.com | Nadeem Hussain |Muhammad Amir Rana

    In 2015, Tameer Bank, a leading microfinance and the creator of Easypaisa, started getting feedback from its bottom-of-the-pyramid customer base that the 12 months equal monthly instalment loan was not enough. There was a demand for a short-term, small-ticket consumption loan with a fast turnaround. The credit underwriting criteria that Tameer Bank was using required extensive fieldwork to determine the customers’ free cash flow and hence their debt payment ability.

  • Jul 31, 2023 | dawn.com | Nadeem Hussain

    On January 13, 2023, the State Bank of Pakistan (SBP) issued five retail digital banks (RDB) No-Objection Certificates. The SBP communication advised that the successful applicants were Easypaisa Digital Bank (Alipay and Telenor), Hugo Bank (Getz, Atlas, and M&P), KT Bank (Kuda, Fatimah Fertiliser, and City School), Mashreq Bank, and Raqami Islamic Digital Bank (PKIC, Enertec, and Planet N). It also stated that it expected RDBs to promote digital financial services to the financially excluded.

  • Jul 23, 2023 | dawn.com | Nadeem Hussain

    Pakistan is a paper-based economy. The majority of our records in the financial, health, education or agriculture industry, are paper-based. A patient still carries his medical records in a file when visiting his doctor; a prospective employee still has a paper copy of his university degree. We love paper and are reluctant to change.

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