ABHI Microfinance Bank has signed a Memorandum of Understanding (MoU) with DigiKhata, a leading digital ledger platform used by small and medium enterprises (SMEs), to enable structured financing solutions for businesses operating on DigiKhata’s platform.
The partnership is designed to connect digitally active SMEs with formal financial services, allowing eligible merchants and businesses on DigiKhata to access financing through ABHI Microfinance Bank. By combining DigiKhata’s digital business ecosystem with ABHI’s regulated banking infrastructure, the collaboration aims to help SMEs unlock working capital and accelerate business growth.
DigiKhata’s platform, widely used by small retailers and traders to manage sales, credit, and inventory records, generates digital transaction trails that can support more informed credit assessment. Through this integration, ABHI Microfinance Bank will be able to extend financing solutions to SMEs based on structured evaluation processes, bringing more businesses into the formal credit landscape.
Mariam Pervaiz, CCO, ABHI Microfinance Bank, said the collaboration reflects the Bank’s focus on empowering small businesses through technology-driven finance.
“SMEs are the backbone of Pakistan’s economy, yet many remain outside the formal financial system. By partnering with DigiKhata, we are meeting businesses where they already operate digitally and enabling access to responsible financing that can help them grow, stabilise cash flows, and scale sustainably.”
Adnan Aslam, CEO, DigiKhata, highlighted the importance of linking digital record-keeping with access to capital.
“Small businesses today are generating valuable financial data through digital tools, but access to formal credit has often remained out of reach. This partnership with ABHI Microfinance Bank creates a pathway for merchants on DigiKhata to turn their digital activity into financial opportunity, supporting the next phase of their growth.”
