Access to appropriate, affordable financial services is a key enabling factor for inclusive and sustainable development. Despite notable progress, about half of the Bangladesh’s adults still have limited access to affordable and reliable financial solutions. Especially small businesses, micro-entrepreneurs, marginal farmers, women and youth face significant constraints in fulfilling their financial needs.

PKSF, since its inception, has been at the forefront of bridging this gap through sustainable, inclusive solutions that reach the last mile.

This outreach reflects PKSF’s continued commitment to inclusive growth and financial empowerment at the grassroots.

Financing microenterprise growth

Microenterprises remain a major growth engine of Bangladesh’s economy. In 2025, PKSF’s programs supported 3.50 million micro-entrepreneurs with a cumulative credit flow of BDT 726,200 million. To strengthen this segment, PKSF has launched a Credit Enhancement Scheme which is expected to mobilize over BDT 20,000 million in private financing for micro and small enterprises.

Financing smallholder farmers

Over 80% of Bangladeshi farmers are smallholders. They rely on microfinance to sustain production. PKSF’s innovative agriculture financing solutions reached 1.4 million farmers, disbursing BDT 103,680 million to promote productivity, diversification, and climate resilience.

Affordable housing finance

Safe housing, a basic necessity, remains out of reach for many low-income individuals. To help address this, PKSF-promoted affordable housing finance reached 11,277 households with a credit flow of BDT 3,283.5 million.

Breakthrough in WASH finance

To ensure safe water and hygienic sanitation for low-income people, PKSF has expanded ‘Water and Sanitation Credit’, supporting 278,150 safely managed latrines and 43,092 safe water systems, advancing progress toward achieving the Goal 6 (Clean Water and Sanitation) of the SDGs.

Inclusive finance is at the heart of PKSF’s mission to ensure no one is left behind in Bangladesh’s development journey.

Poorest are also bankable

PKSF continues to challenge the common notion that the poorest are not bankable. In 2025, its specialized finance programs reached 0.5 million extremely poor families, offering them BDT 15,420 million in assistance for strengthening their livelihoods.

Promoting micro-insurance

PKSF-supported micro-insurance services provided risk protection to 15.80 million low-income families, helping protect livelihoods, mitigate shocks and enhance resilience.

Driving digital inclusion

Recognizing the transformative power of technology, PKSF is investing in fintech solutions, AI-driven business capabilities, and appropriate digital platforms. By 2030, PKSF aims to reach 10 million members through digital financial services. Guided by its newly formulated Strategic Plan, PKSF will continue to expand the frontiers of inclusive finance through innovation, digitization, and sustainability.