Research & Development

At PMIC (Pakistan Microfinance Investment Company Ltd.), innovation and evidence-based decision-making are at the heart of everything we do. Through our Research & Development (R&D) initiatives, we explore emerging trends, test new ideas, and develop data-driven solutions that enhance the reach, quality, and sustainability of microfinance in Pakistan.

Driving Innovation through Insight

Our R&D function serves as a knowledge hub for the microfinance sector. We conduct in-depth research, market assessments, and impact evaluations to identify opportunities and challenges within the financial inclusion landscape. The insights gained guide our strategy, influence policy, and help our partners design more effective, customer-centric solutions.

Focus Areas

  • Product Innovation
    Developing and testing new financial products and delivery mechanisms tailored to the evolving needs of low-income communities, micro-entrepreneurs, and women-led businesses.

  • Digital Transformation
    Exploring how technology such as digital payments, data analytics, and mobile platforms—can make financial services more efficient, accessible, and affordable.

  • Impact Assessment
    Measuring the social and economic impact of PMIC’s interventions, ensuring that every initiative contributes meaningfully to poverty reduction and financial inclusion.

  • Knowledge Sharing
    Disseminating research findings, case studies, and best practices through publications, workshops, and collaborations to strengthen the capacity of microfinance institutions and sector stakeholders.

  • Policy Support
    Engaging with regulators, government agencies, and partners to inform evidence-based policies that create an enabling environment for inclusive finance.