{"id":6013,"date":"2025-08-27T08:19:46","date_gmt":"2025-08-27T08:19:46","guid":{"rendered":"https:\/\/mahmoodtariq.com\/hnp\/?p=6013"},"modified":"2025-08-27T08:45:08","modified_gmt":"2025-08-27T08:45:08","slug":"defining-and-empowering-women-enterprises-microfinance-in-pakistan-2-2-2-2-2-3-2-2-2-2-2-2-2-2-2-2-2-3-5-2-2-2-2-2-2-2-2-3-2-2-2-2-3-3-3-2-2-2-2__trashed-3-2-3-2-3-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-62","status":"publish","type":"post","link":"https:\/\/mahmoodtariq.com\/hnp\/defining-and-empowering-women-enterprises-microfinance-in-pakistan-2-2-2-2-2-3-2-2-2-2-2-2-2-2-2-2-2-3-5-2-2-2-2-2-2-2-2-3-2-2-2-2-3-3-3-2-2-2-2__trashed-3-2-3-2-3-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-62\/","title":{"rendered":"FBLT Success Stories SAIRA ZULFIQAR"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\t\t\t\t\ufeff<\/span>FIZA FOOD COMPANY<\/span><\/strong>\nSAIRA ZULFIQAR<\/strong><\/span>\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Saira Zulfiqar’s life has been marked by adversity and challenges. Despite facing\u00a0<\/span>mistreatment and abuse from her husband, she demonstrated remarkable courage and\u00a0<\/span>resilience. Forced to work odd jobs to support her large family, she endured financial hardship and the burden of providing for her 9 sons and 5 daughters<\/span>.<\/span><\/p>

The turning point came when her husband forcibly married off one of their daughters to\u00a0<\/span>a mentally unstable man. Faced with the prospect of her other daughters suffering a\u00a0<\/span>similar fate, Saira made the difficult decision to seek a divorce and separate from her<\/span>
husband. She took her daughters with her, determined to provide them with a better\u00a0<\/span>life and protect them from harm.<\/span><\/p>

Even in the face of these challenges, Saira’s strength and determination have not\u00a0<\/span>wavered. She continues to fight for the well-being of her family, ensuring that her\u00a0<\/span>daughters are safe and protected.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\ufeff<\/span>\n\nBEGINNING<\/span>\n<\/strong><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Despite facing numerous challenges, she has always <\/span>strived to provide for her family through sheer hard <\/span>work and resilience. From cleaning washrooms to <\/span>being a security guard and from selling chocolates on <\/span>the road to driving a rickshaw and selling homemade <\/span>flatbreads, she worked odd jobs to feed her family.<\/span><\/p>\n

However, it was a moment of illness that sparked a <\/span>new beginning for Saira. While hospitalized, she <\/span>received an order for her flatbreads, which made her <\/span>realize the potential of her culinary skills. This <\/span>realization, coupled with the support and guidance <\/span>She received from HomeNetPakistan (HNP),led her to envision a new path for herself<\/span>.<\/span><\/p>\n

Attending HNP’s meeting on the Financial Inclusion of <\/span>Home-based Workers’ Enterprises through Business <\/span>Booster Loan and Trainings (FBLT) project was a <\/span>turning point for her. She saw an opportunity to turn <\/span>her part-time job into a full-fledged business and <\/span>provide for her family more effectively. The FBLT <\/span>project aimed to empower home-based workers like <\/span>Saira by providing them with access to financial <\/span>products and capacity-building opportunities tailored <\/span>to their needs.<\/span><\/p>\n

With a newly instilled determination, Saira established <\/span>the Fiza Food Company<\/b>, marking the beginning of a <\/span>new chapter in her life.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\ufeff<\/span>\ufeff<\/span>INNOVATIVE STRATEGIES\n<\/span>\n<\/strong><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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“After undergoing the Foundation Level Training as part of the FBLT program, I came to understand <\/span>my past mistakes, <\/span>” revealed Saira. “Previously, I would procure flour from any source without <\/span>considering its quality or price, resulting in minimal savings. However, through the training, I realized <\/span>the importance of sourcing ingredients from wholesale markets, ensuring both quality and <\/span>affordability to produce cost-effective yet delectable flatbreads.”<\/span><\/p>\n

Saira’s insights didn’t stop there. She recognized the necessity of establishing proper pricing for her <\/span>products and prioritizing bulk orders to maximize profitability.Moreover, she learned the significance of meticulous<\/span> record-keeping, tracking expenses, and brainstorming strategies to enhance profits.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\ufeff<\/span>\n\n \n\nBUSINESS EXPANSION<\/span><\/strong><\/strong>\n\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Utilizing her Foundation Level Training teaching, Saira invested in a flour kneading machine, <\/span>streamlining her operations and saving valuable time. She adopted a meticulous approach, tracking <\/span>the amount of flour and gas consumption for each batch of flatbreads, incorporating these costs <\/span>into her pricing strategy. Additionally, she expanded her menu to include parathas, diversifying her <\/span>offerings and appealing to a broader customer base.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\n \n\n \n\nMAXIMIZING RESOURCES<\/span><\/strong><\/strong>\n\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Prior to the Foundation Level Training, Saira produced a modest 40-60 flatbreads daily. However,\u00a0<\/span>the training enlightened her about maximizing resources. Implementing these teachings, she now\u00a0<\/span>produces an impressive 300-350 flatbreads per day. This significant increase in productivity has\u00a0<\/span>translated to higher savings and a more sustainable business model. This change not only increased\u00a0<\/span>her production capacity, but curbed her need to seek employment outside her home.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\ufeff<\/span>\ufeff<\/span>\n\n \n\nTRANSFORMATION & FUTURE ENDEAVOURS<\/span><\/strong><\/strong>\n\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Saira’s monthly earnings have skyrocketed from a mere daily struggle to around PKR125,000,with a\u00a0<\/span>substantial savings of PKR36,000 every month after expenses.<\/span><\/p>

She is currently undergoing her Advance Level Training which has empowered her to envision and\u00a0<\/span>implement strategies to expand her business. “My future goals involve expanding my business by\u00a0<\/span>catering to companies, offices, and canteens of various institutes with homemade flatbreads on a\u00a0<\/span>daily basis. Additionally, I intend to enhance my production capacity by investing my savings in\u00a0<\/span>larger and more efficient machinery. This will not only streamline operations but also boost business\u00a0<\/span>growth,\u00a0<\/span>“Saira explains optimistically.<\/span><\/p>

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FIZA FOOD COMPANY, LAHORE, PAKISTAN – CONTACT: 0303 4205342
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\ufeffFIZA FOOD COMPANY SAIRA ZULFIQAR Saira Zulfiqar’s life has been marked by adversity and challenges. Despite facing\u00a0mistreatment and abuse from her husband, she demonstrated remarkable courage and\u00a0resilience. Forced to work […]<\/p>\n","protected":false},"author":2,"featured_media":6014,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"footnotes":"","_tec_slr_enabled":"","_tec_slr_layout":""},"categories":[48],"tags":[],"class_list":["post-6013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fblt-success-stories"],"ticketed":false,"_links":{"self":[{"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/posts\/6013","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/comments?post=6013"}],"version-history":[{"count":4,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/posts\/6013\/revisions"}],"predecessor-version":[{"id":6021,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/posts\/6013\/revisions\/6021"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/media\/6014"}],"wp:attachment":[{"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/media?parent=6013"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/categories?post=6013"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/tags?post=6013"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}