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The Organizational Transformation Challenges at the State Bank of Pakistan case series pertains to a key institution that performs that role of the Central Bank in the country. On assuming the position of the Governor, SBP, in December 1999, Dr Ishrat Husain felt the need to turnaround this institution with a view to make it congruent with the requirements of a central bank in the twenty-first century. To realize this goal, he developed a concept paper by engaging all key stakeholders both within and outside of the Bank. After following a rigorous process of discussions, deliberations and conferences, his concept paper was approved both from his management as well as from the Board.
This text has two main objectives: to explore how travel narrative works as a form of cross-cultural representation and to propose a critical method for its study; and to set out the ethical imperatives of travel as a mode of encounter with difference that leads to the performative enactment of becoming other.
"A Wiley-Interscience publication."Includes index. Bibliography: p. 355-361.
Peter Dickinson's business empire is global, expanding and all-consuming. He is trying to pull back from its pressures to make space for his life with Claudia. His business leaders have their own ambitions and drives for each of their areas, and see new opportunities emerging amid the sweeping changes he is planning; they also nurse bitter legacies of complex relationships, conflicts and dark obsessions. Claudia is pulled by her own history, by her commitments and her unresolved feelings, causing tensions to rise as Peter's principles and even his businesses' existence are threatened in the new world he is trying to create for himself and for her.
Although access to financing in Pakistan is expanding quickly, it is two to four times lower than regional benchmarks. Half of Pakistani adults, mostly women, do not engage with the financial system at all, and only 14 percent have access to formal services. Credit for small- and medium-size enterprises is rationed by the financial system. The formal microfinance sector reaches less than 2 percent of the poor, as opposed to more than 25 percent in neighboring countries. Yet it is the micro- and small businesses, along with remittances, that help families escape the poverty trap and participate in the economy. 'Bringing Finance to Pakistan s Poor' is based on a pioneering and comprehensive survey and dataset that measures the access to financial products by Pakistani households. The survey included 10,305 households in all areas of the country, excluding the tribal regions. The accompanying CD contains summary statistics. The authors develop a picture of access to and usage of financial services across the country and across different population groups, and they identify policy and regulatory priorities. Reform measures in Pakistan have been timely, but alone are not enough; financial institutions have lagged behind in adopting technology, segmenting customer bases, diversifying products, and simplifying processes and procedures. Gender bias and low levels of financial literacy remain barriers, as is geographical remoteness. However, the single strongest cause of low financial access is lack of income not location, education, or even gender. 'Bringing Finance to Pakistan s Poor' will be of great interest to readers working in the areas of business and finance, economic policy, gender and rural development, and microfinance.