Zindigi powered by JS Bank and Orient Electronics Pvt. Ltd have signed a landmark Memorandum of Understanding (MoU) to introduce Digital Supply Chain Financing (DSCF) for suppliers and distributors across Orient’s value chain. Through this initiative, Zindigi empowers SMEs with structured, cost-efficient financing that is easy to access and strengthens risk management. With Zindigi’s digital infrastructure, Orient Electronics will serve as the ANCHOR, facilitating smooth, technology-enabled financing across its supplier and distributor network. Eligible vendors will be able to access financing subject to SME credit clearance and in line with the State Bank of Pakistan’s regulatory framework for value chain finance.
Despite their significance as the backbone of Pakistan’s economy, a large portion of SMEs remains underserved by formal financing. In response to State Bank reforms, this partnership leverages Zindigi’s digital infrastructure to advance financial inclusion, expand SME growth potential, and promote innovation through a structured, technology-led financing solution.
In his remarks, Imtiaz Khalid, Country Head SME at JS Bank, stated: “SMEs are a vital part of Pakistan’s economy and a major source of employment. At Zindigi, we greatly value this partnership with Orient Electronics, as it marks an important step toward delivering structured and affordable digital supply chain financing, empowering SMEs to grow and contribute more effectively to the economy.”
The MoU signing was attended by key leaders from Zindigi and JS Bank, including, Sania Batool Shah (Head of Digital Lending), along with senior leadership from Orient Electronics, including Ahmad Fazal (Managing Director), Zaeem Ahmad (Director), and Ahsan Bashir (CFO).
This collaboration reflects the shared commitment of Zindigi and Orient Electronics to drive digital transformation, promote financial inclusion, and empower Pakistan’s SMEs to thrive in a modern, technology-driven economy.
