Working with women in the agriculture sector in Pakistan poses a challenge as agricultural extension and development staff are predominantly male and interactions for women with men outside the family are culturally not acceptable. At the same time, women in Pakistan play an equal role in agriculture as well as taking responsibility for household chores, including cooking and taking care of the nutrition of the family.
This report demonstrates that financial cooperatives can be sustainable providers of financial services in rural areas and development assistance needs to consider supporting them as a means to enhance access to rural finance. It does not suggest that financial cooperatives are the only providers or the preferred channel in all circumstances. For financial cooperatives to function as sustainable institutions, governments need to provide an enabling environment, not exercise excessive control that restricts growth and consolidation, and not use them as channels to provide subsidized credit.