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For my edits to this article, I plan on focusing on the economic and social vulnerability and lack of adequate governance sections. I plan on hyperlinking the the Women in Pakistan article into one of these/another section to include my focus on women within the poverty lens.


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Bold type - my edits

Plain type - existing Wikipedia text

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#1:

Poverty and gender

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The gender discriminatory practices in Pakistani society also shape the distribution of poverty in the country. Traditional gender roles in Pakistan define the woman's place as in the home and not in the workplace, and define the man as the breadwinner. Consequently, the society invests far less in women than men.[1] Women in Pakistan suffer from poverty of opportunities throughout their lives. Female literacy in Pakistan is 71.8% compared to Male literacy at 82.5%.[2] Women in Pakistan are also less likely to participate In legislative bodies, women constituted less than 3% of the legislature elected on general seats before 2002. The 1973 Constitution allowed reserved seats for women in both houses of parliament for a period of 20 years, thus ensuring that women would be represented in parliament regardless of whether or not they are elected on general seats. This provision lapsed in 1993, so parliaments elected subsequently did not have reserved seats for women. Reserved seats for women have been restored after the election of 2002 .Now women have 20% seats reserved for them in Parliament .[3] According to the United Nations Human Development Report, Pakistan's human development indicators, especially those for women, fall significantly below those of countries with comparable levels of per-capita income. Pakistan also has a higher infant mortality rate (88 per 1000) than the South Asian average (83 per 1000).[4]


In this section, I want to add a few sentences about women and economic opportunities to include the hyperlink, but im not sure how to incorporate it.

Economic and social vulnerability

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Un-Employment Rates
Administrative Unit 1998 Census 1981 Census
Both Sexes Male Female
Pakistan 19.68 20.19 5.05 3.1
Rural 19.98 20.40 5.50 2.3
Urban 19.13 19.77 4.49 5.2
Khyber Pakhtunkhwa 26.83 27.51 2.58 2.2
Rural 28.16 28.64 4.00 2.0
Urban 21.00 22.34 0.74 3.7
Punjab 19.10 19.60 5.50 3.2
Rural 18.60 19.00 6.00 2.5
Urban 20.10 20.7 4.70 5.0
Sindh 14.43 14.86 4.69 3.3
Rural 11.95 12.26 3.70 1.6
Urban 16.75 17.31 5.40 5.8
Balochistan 33.48 34.14 8.67 3.1
Rural 35.26 35.92 9.81 3.0
Urban 27.67 28.33 5.35 4.0
Islamabad 15.70 16.80 1.70 10.7
Rural 28.70 29.40 8.20 13.5
Urban 10.10 11.00 0.80 9.0
Unemployment Rate: It is the percentage of persons unemployed (those looking for work and temporarily laid off) to the total economically active population (10 years and above). Source: [1]
Socio-Economic Status of Pakistanis, source:[5]

"Vulnerability" in this case stands for the underlying susceptibility of economically deprived people to fall into poverty as a result of exogenous random shocks. Vulnerable households are generally found to have low expenditure levels. Households are considered vulnerable if they do not have the means to smooth out their expenses in response to changes in income. In general, vulnerability is likely to be high in households clustered around the poverty line. Since coping strategies for vulnerable households depend primarily on their sources of income, exogenous shocks can increase reliance on non-agricultural wages. Such diversification has not occurred in many parts of Pakistan, leading to an increased dependence on credit.[6][7]

Moreover, vulnerable households are unable to access or qualify for credit and loans through traditional banking institutions. The majority of banking institutions are concentrated primarily in urban areas, far from the majority rural population.[8] Because of this, for decades, people have defaulted to alternate, community-based forms of credit and loan services and community wealth-building. Individuals borrow from family members, friends, religious institutions, and larger informal lending groups.[9]

Lack of adequate governance

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By the end of the 1990s, the manner in which power is exercised in the management of a country's social and economic status resources for development emerged as Pakistan's foremost developmental problem. Corruption and political instabilities such as the insurgency in Balochistan and decade long armed conflict with the Taliban in Waziristan region resulted in reduction of business confidence, deterioration of economic growth, reduced public expenditure, poor delivery of public services, and undermining of the rule of law.[10] The perceived security threat on the border with India has dominated Pakistan's culture and has led to the domination of military in politics, excessive spending on defense at the expense of social sectors,[11][12][13] and the erosion of law and order, in conjunction with several implementations of martial law and approximately four coup d'états in the past fifty years.[14]

Pakistan has been run by military dictatorships for large periods of time, alternating with limited democracy.[15][16] These rapid changes in governments led to rapid policy changes and reversals and the reduction of transparency and accountability in government. The onset of military regimes have contributed to non-transparency in resource allocation. Those who do not constitute the political elite are unable to make political leaders and the Government responsive to their needs or accountable to promises. Development priorities are determined not by potential beneficiaries but by the bureaucracy and a political elite which may or may not be in touch with the needs of the citizens. Political instability and macroeconomic imbalances have been reflected in poor creditworthiness ratings, even compared to other countries of similar income levels, with resulting capital flight and lower foreign direct investment inflows. The current government of Pakistan has professed commitments to reforms in this area.[17]

With the absence of strong economic policy and international investment interest, the country lacks an effective macroeconomic framework to stimulate sustainable growth, expand marketplace participation and inclusion, and conduct firm regulation.

In addition, Pakistan's major cities and urban centres are home to an estimated 1.2 million street children. This includes beggars and scavengers who are often very young. The law and order problem worsens their condition as boys and girls are fair game to others who would force them into stealing, scavenging and smuggling to survive. A large proportion consumes readily available solvents to starve off hunger, loneliness and fear. Children are vulnerable to contracting STDs such as HIV/AIDS, as well as other diseases.[18]

#2:

Poverty in Pakistan has been recorded by the World Bank at 39.3% using the lower middle-income poverty rate of US$3.2 per day, and 78.4% using the upper middle-income poverty rate of US$5.5 per day, for the fiscal year 2020–21.[19] In September 2021, the government stated that 22% percent of its population lives below the national poverty line[20] set at Rs. 3030 (US$10) per month.[21]

Independent bodies supported estimates of a considerable fall in the statistic by the 2007-08 fiscal year, when it was estimated that 17.2% of the total population lived below the poverty line.[22] The declining trend in poverty as seen in the country during the 1970s and 1980s was reversed in the 1990s by poor federal policies and rampant corruption.[23] This phenomenon has been referred to as the "poverty bomb".[24] In 2001, the government was assisted by the International Monetary Fund (IMF) in preparing the Interim Poverty Reduction Strategy Paper that suggests guidelines to reduce poverty in the country.[25] According to a report submitted by Ministry of Planning and Development in the National Assembly of Pakistan, about 24.3% Pakistani lived below the poverty line which translates into 55 million people.[26]

As of 2020, Pakistan's Human Development Index (HDI) is 0.557, and ranks 154 out of 189 countries.[27][28] Pakistan's HDI is one of the lowest in Asia, after Yemen and Afghanistan.[29]

Wealth distribution

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Wealth distribution in Pakistan is slightly varied, with the top 10% of the population earning 27.6% and the bottom 10% earning only 4.1% of the income. Pakistan generally has a low gini co-efficient and therefore a decent distribution of income (relatively lower inequality).[30] In 2015, 24.3% Pakistanis lived below Pakistan's definition of poverty.[31] Statistics vary due to the definition of poverty. According to the World Bank, poverty in Pakistan fell from 64.3% in 2001 to 24.3% in 2015. Poverty headcount ratio at $1.90 a day (2011 PPP) (% of population) fell from 6.2% in 2013 to 4% in 2015. Pakistan has made substantial progress in reducing poverty giving it the second lowest headcount poverty rate in South Asia.[32]

AidData cites the World Bank and states that overall "Pakistan has done well in converting economic growth into poverty reduction."[30]

According to a World Bank report in 2019, districts varied widely in poverty, with the richest district Abbottabad at a head count ratio of 5.8pc and the poorest district — Washuk District in Balochistan — at 72.5pc.[33][34]

Spatial distribution of poverty

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During the last decade, poverty elimination programs helped many of the poor to participate and rise up. However the Global financial crisis and other factors like the occupation of Afghanistan have impacted Pakistani growth. Poverty in Pakistan has historically been higher in rural areas and lower in the cities. Out of the total 40 million living below the poverty line, thirty million live in rural areas. Poverty rose sharply in the rural areas in the 1990s [35] and the gap in income between urban and rural areas of the country became more significant. This trend has been attributed to a disproportionate impact of economic events in the rural and urban areas. Punjab also has significant gradients in poverty among the different regions of the province.[35]

The Khyber Pakhtunkhwa of Pakistan was one of the most backward regions of the South Asia. Despite this, tremendous progress has been made in many areas. The NWFP now boasts several universities including the Ghulam Ishaq Khan University of Science and Technology. Peshawar, a sleep cantonment during British towns, is a modern cosmopolitan city. Much more can be done to invest in the social and economic structures. NWFP remains steeped in tribal culture, though the biggest Pahan city is Soviet invasion of neighboring Afghanistan is intact and according to Western reports supported the Taliban regime.[citation needed] These and other activities have led to a breakdown of law and order in many parts of the region.[36]

Poverty and gender

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The gender discriminatory practices in Pakistani society also shape the distribution of poverty in the country. Traditional gender roles in Pakistan define the woman's place as in the home and not in the workplace, and define the man as the breadwinner. Consequently, the society invests far less in women than men.[37] Women in Pakistan suffer from poverty of opportunities throughout their lives. Female literacy in Pakistan is 71.8% compared to Male literacy at 82.5%.[38] In legislative bodies, women constituted less than 3% of the legislature elected on general seats before 2002. The 1973 Constitution allowed reserved seats for women in both houses of parliament for a period of 20 years, thus ensuring that women would be represented in parliament regardless of whether or not they are elected on general seats. This provision lapsed in 1993, so parliaments elected subsequently did not have reserved seats for women. Reserved seats for women have been restored after the election of 2002 .Now women have 20% seats reserved for them in Parliament .[39] According to the United Nations Human Development Report, Pakistan's human development indicators, especially those for women, fall significantly below those of countries with comparable levels of per-capita income. Pakistan also has a higher infant mortality rate (88 per 1000) than the South Asian average (83 per 1000).[40]

Economic and social vulnerability

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Un-Employment Rates
Administrative Unit 1998 Census 1981 Census
Both Sexes Male Female
Pakistan 19.68 20.19 5.05 3.1
Rural 19.98 20.40 5.50 2.3
Urban 19.13 19.77 4.49 5.2
Khyber Pakhtunkhwa 26.83 27.51 2.58 2.2
Rural 28.16 28.64 4.00 2.0
Urban 21.00 22.34 0.74 3.7
Punjab 19.10 19.60 5.50 3.2
Rural 18.60 19.00 6.00 2.5
Urban 20.10 20.7 4.70 5.0
Sindh 14.43 14.86 4.69 3.3
Rural 11.95 12.26 3.70 1.6
Urban 16.75 17.31 5.40 5.8
Balochistan 33.48 34.14 8.67 3.1
Rural 35.26 35.92 9.81 3.0
Urban 27.67 28.33 5.35 4.0
Islamabad 15.70 16.80 1.70 10.7
Rural 28.70 29.40 8.20 13.5
Urban 10.10 11.00 0.80 9.0
Unemployment Rate: It is the percentage of persons unemployed (those looking for work and temporarily laid off) to the total economically active population (10 years and above). Source: [2]
Socio-Economic Status of Pakistanis, source:[41]

"Vulnerability" in this case stands for the underlying susceptibility of economically deprived people to fall into poverty as a result of exogenous random shocks. Vulnerable households are generally found to have low expenditure levels. Households are considered vulnerable if they do not have the means to smooth out their expenses in response to changes in income. In general, vulnerability is likely to be high in households clustered around the poverty line. Since coping strategies for vulnerable households depend primarily on their sources of income, exogenous shocks can increase reliance on non-agricultural wages. Such diversification has not occurred in many parts of Pakistan, leading to an increased dependence on credit.[42]

Due to this economic vulnerability, a large portion of Pakistan’s population is unable to access or qualify for credit and loans through traditional banking institutions. Furthermore, the majority of major banking institutions are concentrated primarily urban areas are unable to reach the large populations living within these rural areas.[43]

While economic vulnerability is a key factor in the rise of poverty in Pakistan, vulnerability also arises from social powerlessness, political disenfranchisement, and ill-functioning and distortionary institutions, and these also are important causes of the persistence of vulnerability among the poor.[44]

Other causes of vulnerability in Pakistan are the everyday harassment by corrupt government officials, as well as their underperformance, exclusion and denial of basic rights to many in Pakistan. Also, lack of adequate health care by the state lead the poor to seek private sources, which are expensive, but still preferable to the possibility of medical malpractice and being given expired medicines in state run medical facilities. Also, the failure by the state to provide adequate law and order in many parts of the country is a factor in the rise of vulnerability of the poor.[44]

Environmental issues

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Environmental problems in Pakistan, such as erosion, use of agro-chemicals, deforestation etc. contribute to rising poverty in Pakistan. Increasing pollution contributes to increasing risk of toxicity, and poor industrial standards in the country contribute to rising pollution.[45][46]

Lack of adequate governance

[edit]

By the end of the 1990s, the manner in which power is exercised in the management of a country's social and economic status resources for development emerged as Pakistan's foremost developmental problem. Corruption and political instabilities such as the insurgency in Balochistan and decade long armed conflict with the Taliban in Waziristan region resulted in reduction of business confidence, deterioration of economic growth, reduced public expenditure, poor delivery of public services, and undermining of the rule of law.[47] The perceived security threat on the border with India has dominated Pakistan's culture and has led to the domination of military in politics, excessive spending on defense at the expense of social sectors,[48][49][50] and the erosion of law and order, in conjunction with several implementations of martial law and approximately four coup d'états in the past fifty years.[51]

Pakistan has been run by military dictatorships for large periods of time, alternating with limited democracy.[52][53] These rapid changes in governments led to rapid policy changes and reversals and the reduction of transparency and accountability in government. The onset of military regimes have contributed to non-transparency in resource allocation. Those who do not constitute the political elite are unable to make political leaders and the Government responsive to their needs or accountable to promises. Development priorities are determined not by potential beneficiaries but by the bureaucracy and a political elite which may or may not be in touch with the needs of the citizens. Political instability and macroeconomic imbalances have been reflected in poor creditworthiness ratings, even compared to other countries of similar income levels, with resulting capital flight and lower foreign direct investment inflows. The current government of Pakistan has professed commitments to reforms in this area.[54]

In addition, Pakistan's major cities and urban centres are home to an estimated 1.2 million street children. This includes beggars and scavengers who are often very young. The law and order problem worsens their condition as boys and girls are fair game to others who would force them into stealing, scavenging and smuggling to survive. A large proportion consumes readily available solvents to starve off hunger, loneliness and fear. Children are vulnerable to contracting STDs such as HIV/AIDS, as well as other diseases.[55]

Feudalism

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Pakistan is home to a large feudal landholding system where landholding families hold thousands of acres and do little work on the agriculture themselves. Since, feudalism is rampant in such areas, people cannot acquire and hold land, which is one of the main sources of livelihood in rural agricultural areas of Pakistan.[56] They enlist the services of their serfs to perform the labour of the land.[57] 51% of poor tenants owe money to the landlords.[58] The landlords' position of power allows them to exploit the only resource the poor can possibly provide: their own labour.

Inequality and natural disasters

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Main article: 2010 Pakistan floods

The 2010 Pakistan floods accentuated differences between the wealthy and poor in Pakistan. Abdullah Hussain Haroon, Pakistan's diplomat to the United Nations, alleged that wealthy feudal warlords and landowners in Pakistan have been diverting funds and resources away from the poor and into their own private relief efforts.[59] Haroon also alluded to was evidence that landowners had allowed embankments to burst, leading to water flowing away from their land.[60] There are also allegations that local authorities colluded with the warlords to divert funds.[61] The floods have accentuated the sharp divisions in Pakistan between the wealthy and the poor. The wealthy, with better access to transportation and other facilities, have suffered far less than the poor of Pakistan.[62]

Poverty alleviation initiatives

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Since the 1990s, the Government of Pakistan has launched initiatives to more closely align programs with the developmental goals outlined in the United Nations Millenium and Sustainable Development Goals. The government has launched poverty alleviation campaigns across various sectors, including public health, banking, and energy.

Financial/macroeconomic solutions

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Various state-designed and overseen market-based solutions have been implemented to restructure the country's macroeconomy and to aid financial inclusion and access to credit.

Microcredit has gained traction and been utilized as a poverty alleviation tool by the state government since the establishment of Bangladeshi MFI Grameen Bank by economist Mohammad Yunus.

Studies show that early forms of microcredit can be traced back to the colonial-era 'Taccavi' government credit system, which disbursed institutional credit to “farmers [who]... were heavily dependent on non-institutional sources for their credit requirements.” [63] These loans were regulated by the Land Improvement Loans Act of 1883 (later replaced by West Pakistan Agriculturalists' Loan Act of 1958) through provincial governments; borrowers were to use these loans to support agricultural activity and to buy farming equipment. The Agricultural Development Bank of Pakistan (ADBP) was formed in 1961, a conglomerate of two previously-existing direct agricultural programs. The ADBP introduced a village and client-centered approach by expanding the existing state-supervised credit framework, eventually building a country-wide network to provide credit services to the most rural and remote populations of farmers. This initiative also expanded access to previously excluded groups, including women, the landless, and tenants .

Microfinance programs were first offered in Pakistan in the late 1980s by development organizations and NGOs, combined together with their urban housing and public health programs. Established in 1996, the Kashf Foundation is the first stand-alone microfinance institution in the country, supported by a grant from the Grameen Bank. What followed were global debates about the impact of microcredit, as well as the rapid spread of banking and microcredit services in Pakistan. Demand for microcredit rose rapidly: “clients needed loans for investment purposes and… [those] available from the formal sector could not be easily tapped due to cumbersome disbursement procedures and high transactions costs.”[64] In 1997, numerous NGOs collaborated to form the Pakistan Microfinance Network, an organization of micro-finance providers, “focused on transparency, performance reporting, capacity building and tracking progress in the micro-finance sector”[65].

Today, a wide range of MFIs make up the country's robust micro-finance sector; some conduct Islamic banking and finance and others serve primarily third-gender and gender-targeted groups.[66]

References

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  1. Meraj, Muhammad. "CREDIT COMFORTABILITY AND MICROFINANCE: A FIELD STUDY TO DETERMINE PEOPLES’PERCEPTION ABOUT CONVENTIONAL AND ISLAMIC MICROFINANCE IN PAKISTAN." Turkish Journal of Islamic Economics 3, no. 1 (2016): 37-61
  1. ^ ADB report pg 13
  2. ^ [3] Archived November 13, 2009, at the Wayback Machine
  3. ^ Kabeer, Naila (1994). Reversed Realities. Verso, London.
  4. ^ "Reports - Human Development Reports". hdr.undp.org.
  5. ^ "Need for a new paradigm". DAWN.COM. 2010-04-27. Retrieved 2022-05-09.
  6. ^ ADB report pg 15
  7. ^ ADB report pg 15
  8. ^ "Microfinance Institutions—Coming of Age", Microfinance India: State of the Sector Report 2009, New Delhi: SAGE Publications India, pp. 49–70, 2009, retrieved 2022-11-28
  9. ^ MERAJ, Muhammad (2016-02-16). "CREDIT COMFORTABILITY AND MICROFINANCE: A FIELD STUDY TO DETERMINE PEOPLES PERCEPTION ABOUT CONVENTIONAL AND ISLAMIC MICROFINANCE IN PAKISTAN". Turkish Journal of Islamic Economics. 3 (1): 37–37. doi:10.15238/tujise.2016.3.1.37-61. ISSN 2148-3809.
  10. ^ ADB report pg 33
  11. ^ "Military spending reaches record levels: report". Pakistan Today. 2022-04-25. Retrieved 2022-05-09.
  12. ^ Ahmed, Amin (2020-04-28). "India has world's third biggest defence spending now". DAWN.COM. Retrieved 2022-05-09.
  13. ^ "Defence budget". www.thenews.com.pk. Retrieved 2022-05-09.
  14. ^ Paracha, Nadeem F. (2016-07-21). "Men on horseback: A century of coups". DAWN.COM. Retrieved 2022-05-09.
  15. ^ ADB Report pg 34
  16. ^ "Why democracy didn't take roots in Pakistan?". www.kashmirherald.com. Retrieved 2022-05-09.
  17. ^ ADB report pg 34
  18. ^ Surviving on the Streets Pakistan, Poverty Unveiled.World Vision
  19. ^ "Poverty in Pakistan up from 4.4pc to 5.4pc: WB". www.thenews.com.pk. Retrieved 23 April 2022.
  20. ^ "22% Pakistanis living below poverty line, NA told". The Express Tribune. 28 September 2021. Retrieved 23 April 2022.
  21. ^ "Poverty" (PDF). finance.gov.pk. Retrieved 23 April 2022.
  22. ^ "UNDP Reports Pakistan Poverty Declined to 17%, Under Musharraf". Pakistan Daily. 7 September 2009. Archived from the original on 26 July 2011. Retrieved 2012-03-12.
  23. ^ "Poverty in Pakistan: Issues, Causes, and Institutional Responses", Asian Development Bank (accessed: 2008-05-04)
  24. ^ Pakistan: Now the Poverty Bomb goes off, M, Ziauddin, Third World Network Archived 2006-04-27 at the Wayback Machine
  25. ^ "Interim Poverty Reduction Strategy Paper" (accessed: 2008-05-04)
  26. ^ "National Assembly Secretariat (34th Session)" (PDF). p. 18. Retrieved 7 December 2016.
  27. ^ "Pakistan's HDI falls 2 notches to 154th position". www.thenews.com.pk. Retrieved 2022-05-09.
  28. ^ "| Human Development Reports". hdr.undp.org. Retrieved 2022-05-09.
  29. ^ "Human Development Report 2020 The Next Frontier: Human Development and the Anthropocene" (PDF). United Nations Development Programme. 15 December 2020. pp. 343–346. ISBN 978-9-211-26442-5. Retrieved 9 May 2022.
  30. ^ a b Patel, Dillan. "Poverty in Pakistan: Numerous efforts, many numbers, not enough results". AidData (U of William & Mary). Retrieved 2018-02-16.
  31. ^ van (2021-05-03). "Poverty: Pakistan". Asian Development Bank. Retrieved 2022-05-09.
  32. ^ "Overview". World Bank. Retrieved 2022-05-09.
  33. ^ Ahmed, Amin (2018-11-11). "80pc of Pakistan's poor live in rural areas, says World Bank report". DAWN.COM. Retrieved 2022-05-09.
  34. ^ "State of water supply, sanitation major health hazards in Pakistan: WB". www.thenews.com.pk. Retrieved 2022-05-09.
  35. ^ a b ADB report pg 11
  36. ^ "Pakistan is active in the Fight Against Fundamentalism buzzle.com". Archived from the original on 2009-03-16. Retrieved 2009-03-16.
  37. ^ ADB report pg 13
  38. ^ [4] Archived November 13, 2009, at the Wayback Machine
  39. ^ Kabeer, Naila (1994). Reversed Realities. Verso, London.
  40. ^ "Reports - Human Development Reports". hdr.undp.org.
  41. ^ "Need for a new paradigm". DAWN.COM. 2010-04-27. Retrieved 2022-05-09.
  42. ^ ADB report pg 15
  43. ^ "Microfinance Institutions—Coming of Age", Microfinance India: State of the Sector Report 2009, New Delhi: SAGE Publications India, pp. 49–70, 2009, retrieved 2022-11-28
  44. ^ a b ADB report pg 16
  45. ^ ADB report pg 29
  46. ^ Poverty in the context of Pakistan iucn.org Archived 2007-05-05 at the Wayback Machine
  47. ^ ADB report pg 33
  48. ^ "Military spending reaches record levels: report". Pakistan Today. 2022-04-25. Retrieved 2022-05-09.
  49. ^ Ahmed, Amin (2020-04-28). "India has world's third biggest defence spending now". DAWN.COM. Retrieved 2022-05-09.
  50. ^ "Defence budget". www.thenews.com.pk. Retrieved 2022-05-09.
  51. ^ Paracha, Nadeem F. (2016-07-21). "Men on horseback: A century of coups". DAWN.COM. Retrieved 2022-05-09.
  52. ^ ADB Report pg 34
  53. ^ "Why democracy didn't take roots in Pakistan?". www.kashmirherald.com. Retrieved 2022-05-09.
  54. ^ ADB report pg 34
  55. ^ Surviving on the Streets Pakistan, Poverty Unveiled.World Vision
  56. ^ Zaidi, Syed Manzar Abbas (2010). "The poverty–radicalisation nexus in Pakistan". Global Crime. 11 (4): 399–420. doi:10.1080/17440572.2010.519521.
  57. ^ PAKISTAN: Feudalism: root cause of Pakistan’s malaise Archived 2006-02-10 at the Wayback Machine - News Weekly
  58. ^ [5] Poverty in Pakistan at the Wayback Machine (archived February 24, 2006)
  59. ^ "Pakistan's rich 'diverted floods to save their land'". The Independent. 2010-09-02. Retrieved 2022-05-09.
  60. ^ "Pakistan landlords 'diverted flood water'". BBC News. 2010-09-02. Retrieved 2022-05-09.
  61. ^ Pakistan Flood: Only the Rich Will Be Saved Archived 2012-09-12 at the Wayback Machine
  62. ^ Ahmed, Issam (2010-08-12). "Pakistan floods strand the poor while rich go to higher ground". Christian Science Monitor. ISSN 0882-7729. Retrieved 2022-05-09.
  63. ^ Sulaiman D. Muhammad (2012-06-06). "Women empowerment and microfinance: A case study of Pakistan". AFRICAN JOURNAL OF BUSINESS MANAGEMENT. 6 (22). doi:10.5897/ajbm11.1973. ISSN 1993-8233.
  64. ^ "Technology in Microfinance and Inclusion", Microfinance India: State of the Sector Report 2009, B-42, Panchsheel Enclave, New Delhi 110 017 India: SAGE Publications India Pvt Ltd, pp. 105–112, 2009, retrieved 2022-12-16 {{citation}}: no-break space character in |place= at position 26 (help)CS1 maint: location (link)
  65. ^ "Technology in Microfinance and Inclusion", Microfinance India: State of the Sector Report 2009, B-42, Panchsheel Enclave, New Delhi 110 017 India: SAGE Publications India Pvt Ltd, pp. 105–112, 2009, retrieved 2022-12-16 {{citation}}: no-break space character in |place= at position 26 (help)CS1 maint: location (link)
  66. ^ Sulaiman D. Muhammad (2012-06-06). "Women empowerment and microfinance: A case study of Pakistan". AFRICAN JOURNAL OF BUSINESS MANAGEMENT. 6 (22). doi:10.5897/ajbm11.1973. ISSN 1993-8233.
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