Degree

Master of Business Administration

Faculty / School

School of Business Studies (SBS)

Advisor

Mr. Yaseen Ahmed Meenai, Lecturer, Department of Mathematical Sciences

Project Coordinator (Internal)

Mr. Muhammad Zahid, Assistant Manager, MBA Directorate, IBA

Project Coordinator (External)

Ms. Sarwat Khan, Manager Talent Acquisition

Client

JS Bank

Committee Member 1

Mr. Yaseen Ahmed Meenai

Committee Member 2

Dr. Muhammad Shafique

Project Type

MBA Research Project

Keywords

Gold Finance, Financial Inclusion, Gold-Backed Loans, Digital Transformation, Product Diversifiv

Abstract / Summary

It is common for households in Pakistan to have a portion of their total savings in form of gold ornaments. Gold is considered amongst the most stable commodities and hence, a secure investment as a medium-to-long-term investment, in addition to being readily acceptable in exchange for cash. Due to these reasons, selling off gold ornaments to meet financial needs is often considered the last resort. There is also a significant degree of cultural and societal pressure on families to avoid selling gold. This makes the concept of diluting gold investments a taboo for a large part of Pakistani society. These social customs built a substantial need for financing cash flows that would ensure retention of investments in gold and at the same time provide liquidity to customers. While adding to the benefits, it also creates an opportunity for financial institutions & banks to offer a workable financing option to customers and build a secure assets portfolio that is promising for healthy returns to the investors. JS Bank Gold Finance has been designed to capitalize on the above opportunity by providing financing against gold/ gold ornaments to individuals and businesses for meeting investment or business needs. JS Gold Finance product enables the bank to tap the untapped market for building a Gold Finance base. It also adds to the product menu of the bank and provides branches with opportunities to further expand their customer base to cross-sell other Gold Finance products suitable to customer needs. To capitalize these opportunities, JS Bank aims to revamp and expand its gold finance product offerings. The bank aims to introduce a diversity of gold-backed financing products, offering flexible tenure, competitive interest rates, and a range of financing limits to appeal to various market segments. Additionally, JS Bank seeks to enhance customer experience by streamlining and digitizing the application and approval processes, ensuring faster loan disbursements, and offering more flexible collateral choices. These enhancements will enable the bank to appeal to new customer markets, strengthen customer loyalty, and improve profitability, positioning JS Bank as a leader in the gold finance market.

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Available for download on Friday, October 13, 2028

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