Earned Wage Access: ABHI Microfinance Bank partners with Saif Group to enhance employee financial wellness

Earned Wage Access is expanding in Pakistan as ABHI Microfinance Bank has partnered with Saif Group to provide employees with early access to a portion of their earned salaries through a secure digital platform.

The agreement was signed by Mariam Pervaiz, Chief Commercial Officer of ABHI Microfinance Bank, and Abid Hussain, Executive Director Finance & Operations at Saif Textile Mills Ltd. The signing ceremony was attended by Kabeer Naqvi, Entrepreneur in Residence at ABHI, Asad Saifullah Khan, CEO of Saif Textile Mills Ltd. and Kohat Textile Mills Ltd., along with senior representatives from both organizations.

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Under the partnership, Saif Group employees will be able to access part of their earned wages before their scheduled payday. The digital solution aims to provide greater financial flexibility, helping employees manage both planned and unexpected expenses without relying on costly borrowing options.

The initiative seeks to improve employees’ financial well-being by strengthening cash flow management, enhancing financial resilience, and promoting greater financial inclusion through technology-driven financial services.

Earned Wage Access enables employees to withdraw wages they have already earned, offering a responsible alternative to traditional credit. The model supports better financial planning while reducing financial stress and encouraging long-term financial stability.

Both organizations said the partnership reflects their shared commitment to using innovation to address evolving workplace financial needs and to build a more financially empowered workforce across Pakistan.