Financing scheme for “Agri. Land Development through Alternate/ Renewable Energy”

Country is facing the energy crisis. Agriculture sector has received a setback due to energy crisis resulting into low crop productivity. In order to help the farmers to overcome the energy crisis, the Bank has introduced following two products as an alternate/renewable energy resource which will help not only to get energy at low cost but also be useful in boosting agri. Production. This would provide credit for relatively cheaper energy resources to farmers to shift from existing expensive energy options.

  • Solar Energy System
  • Bio Gas Unit/Plant

Financing product on golden/misri chicken poultry farming (egg & meat production)

In livestock sector, poultry production has its own impact and value on the overall livestock market and in the GDP contribution. It is considered to be one of the most efficient and economical system of production of animal protein. In Pakistan, Poultry has been playing a vital role in bridging the gap between supply and demand of animal protein food of high biological value. 

Golden/Misri Chicken poultry farming possesses bright prospects for future development in view of easy and abundant availability of all the requisite inputs such as land, labor and feed resources in rural areas and lower cost of production as compared to commercial poultry. Organic breeds widely available in Pakistan is Golden/Misri, for having their advantage of being well adapted to the local environmental conditions (hot, cold, humid, dry and rainy weathers) and can live as scavenger birds and can be reared at a low cost.

Keeping in view the above, the management of the Bank is pleased to introduce the titled scheme.

Financing Scheme for “Women Empowerment In Garment’s Sector”

In order to empower women of the underdeveloped areas in the country by providing employment opportunities, ZTBL will extend its loaning facilities to such areas of the country where women are already working in the progression of garment’s sector e.g., Hand embroidered Phulkari Chadars in Multan & Bahawalpur and embroidered ladies suits in Hyderabad. Bank will try to provide linkages for marketing through some NGO etc. or by providing some outlet for their produce.

Hence, to start support services in this sector, raw material such as fabric, thread and other materials could be provided to the specific community by making small groups of women in that area or alternatively they may be provided a proper working place to make products in a uniform manner.

Financing product for Biofloc fish farming

Biofloc fish farming is one of the successful and most profitable businesses in Pakistan. Pakistan not only fulfils its personal requirements of the consumption of fish species but also able to fulfill the orders from beyond the borders. The conventional fish farming is quite expensive and unproductive in contrast to the Biofloc fish farming. Biofloc Technology (BFT) is an environment-friendly technique used for the production of fish. Introduction of this new idea can change the farming trends and bring about farming revolution in the country.

Keeping in view the above, the management of the Bank is pleased to introduce the titled scheme.

Tea Plantation, Processing, Packaging & Marketing

Tea is one of the three major non-alcoholic beverages used in the world, which was originally discovered in China. Currently tea industry has spread from China to the far corners of the world encompassing countries ranging from 30° latitude in the Southern Hemisphere (Kenya) to 45° latitude in the Northern Hemisphere (Georgia). The per capita consumption is more than 1.0 kg. Unfortunately, all tea consumed in Pakistan is imported from abroad. Tea is the third commodity after petroleum and edible oil on which our billions of expenditure has been spent annually. Moreover, in 2020, Pakistan was the leading tea importing country in the world, with imports valued at approximately 590 million U.S. dollars.

Keeping in view all of the above facts, Bank is already providing loans to farmers to enhance the tea production of country. Now, in order to make this initiative more fruitful, loaning facilities can also be provided on similar grounds for tea plantation, processing, packaging and marketing. ZTBL will try to provide linkages to farmers for marketing of their produce either by contact with utility stores or super markets etc or by exploring suitable parties for buying of packaged tea for further marketing.

Financing Product for Raw Sugar (Jaggery/Shakkar) Making, Processing and Packaging

Raw Sugar (jaggery/shakkar) is a healthier and better alternative of white sugar. According to the researches carried out in the world, white sugar is damaging human health and labelled as “white poison”. ZTBL is already providing loaning facilities to farmers under Soghat-e-Shireen Scheme for “Gur Making”. Loaning facilities can also be provided on similar grounds for raw sugar making as well. ZTBL will try to provide linkages to farmers for marketing of their produce either by contact with utility stores or super markets etc. or by exploring suitable parties for buying of raw sugar for further marketing.

Financing Scheme for “Dairy Value Chain”

In compliance of ACAC-SBP decision and in order to fulfill the genuine & real needs of the dairy farming community, Bank has introduced the subject titled scheme across all branches of ZTBL.
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