We are pleased to announce a major milestone in Pakistan’s agricultural and financial sectors. AFT, in collaboration with Naymat Collateral Management Company, is launching the country’s first-ever Electronic Warehouse Receipt (EWR) for sugar, integrated with digital payments.
This initiative will empower farmers with access to formal financing, allowing them to secure up to 70% of their stock’s value without the need for immediate sales. With Pakistan’s sugar sector producing over 7 million tons annually, this innovation will unlock liquidity, ensuring financial stability for thousands of farmers.
By integrating digital payments, the financing process will be seamless, transparent, and highly efficient. Farmers will receive funds directly into their digital wallets, eliminating delays and reducing reliance on traditional cash-based transactions. This shift toward a secure and digital-first financial ecosystem will not only enhance financial inclusion but also modernize Pakistan’s agri-financing landscape.
Shakib, CEO of Naymat Collateral Management Company, emphasized the significance of this launch:
” Educating farmers on digital warehouse receipts is key to adoption, ensuring trust and awareness. Developing a fair formula for converting sugarcane value to refined sugar requires collaboration among stakeholders. By fostering transparency and aligning interests, we can create a system that benefits farmers, millers, and financial institutions while strengthening the industry.”
Ahmed Saleemi, CEO of Digitt+, highlighted the role of digital payments in transforming the sector:
“Bringing digital payments into the warehouse receipt system is a crucial step for Pakistan’s farmers. By enabling instant fund disbursement into digital wallets, we are not just simplifying transactions but also fostering financial inclusion at scale. This initiative paves the way for a more efficient and financially inclusive agricultural ecosystem.”
This initiative reflects a broader movement toward digitizing Pakistan’s agricultural sector, making financial services more accessible, efficient, and farmer friendly. By combining technology, secure financing, and seamless digital transactions, we are driving a new era of financial empowerment for farmers, ensuring a stronger and more resilient agricultural economy.