Despite all the recent advancement Pakistan is facing, our women are still lagging behind in almost every field. This lag is not by women’s choice though, as the discrimination, financial problems and others play a vital role in restricting our women from becoming successful entrepreneurs.



Strong economy-building and entrepreneurship is not the only objective of women empowerment. Some of the other objectives are:

1.    A better and a just society.

2.    Achievement of internationally-agreed goals for the development and sustainability.

3.    Improved quality of life for women and those who surround them.

4.    Rise in businesses’ operations and goals.

However, most women will face more challenges than males when it comes to finance, especially in Pakistan where women face immense difficulties financing their own business. But the good part is that many Pakistani women have started to counter this scenario. They are taking initiatives to become more educated, qualified and skilled as a woman, an employee and also as an entrepreneur.

Urban Pakistani women of today hardly rely on their husbands. They have become masters of their own destiny. But in order to truly re-write their financial fate, they must be aware of where they are, where they want to go and how can they get there.

Self-Diagnostic Test for Pakistani Women:

In order to realize whether they are on the right track or not, women need to analyze themselves and their financial condition. If you are a woman, you just analyze yourself against the following points by labeling these statements proactively as “true” or “false”– there is no wrong answer.

1.    I am unaware of my monthly expenses and net worth.

2.    I don’t have a proactive financial plan that meets my objectives including investment plan, insurance plan and retirement plan.

3.    I haven’t realized the most tax-effective plan with which that I can save money.

4.    I have no plans for putting money aside for monthly investments.

5.    I have no will.

6.    I fail to understand what taxes will be payable after I dies

7.    I don’t know if I have the proper insurance coverage

8.    I don’t even know if I am getting the best insurance rates.

9.    I don’t have an insurance policy covering my medical and service costs after my retirement.

10.    I do not know the worth of my retirement plan after my retirement

11.     I don’t know how much money I will need after retirement to live my life happily.

12.    I don’t know what my legal rights/duties are in regards to my business associates or my spouse.

Analyzing your Statements

If none of your answers is true, then you have a proactive financial plan. If 1-2 are true then you need to pay attention to respective red flag(s) and must revise your personal financial plan. If 3-5 are true, this means you don’t have a financial plan at all and if you decide to leave it be, then you can be in for financial trouble sometime after. If the amount of “true” exceeds 5 - You are facing inevitable danger of financial problems. Get help! You can attend women empowerment programs that address these issues. It will help you to know more about business ideas as well as franchise opportunities for the women in Pakistan.