• Traditionally been a disconnect between training programs for women and their subsequent access to finance. Research indicates
little improvement often post-training in terms of access to finance.

• On the demand side there are a number of factors which in Pakistan act as major barriers for women that go beyond needing training.

• On the supply side, simple referral mechanisms targeting banks do not work effectively, with training programs and the financial service industry often poorly positioned to support women.

• Going forward there is a need to adopt more programmatic approaches to the problem, tying up banks early and integrating
training into their women market propositions.

• There is also a need to prepare the Banking sector to do more with women