GoldFin Offers
Hassle Free Gold Loan
Chairman’s Message
I am delighted to introduce GoldFin Limited, a newly launched venture poised to redefine the traditional model of instant credit against gold collateral in Pakistan. This initiative seamlessly combines the enduring allure of gold with modern, digital financial solutions. As the Chairman of this visionary endeavor, I take this opportunity to share our aspirations and unwavering commitment to building a world-class company.
Pakistan is a nation blessed with immense economic potentials. Yet, its economy remains dominated by an informal sector, with SMEs, agriculture, retail traders, and low-income or microfinance segments receiving a disproportionately small share of formal credit. Despite significant progress in financial inclusion, many promising clients are excluded due to a lack of documented credit history or acceptable collateral. This situation inspired our team to leverage its extensive experience in gold-backed lending (GBL) and re-enter the market with a fresh perspective. Our aim is to refine the GBL model and establish a niche ecosystem addressing the intertwined needs of credit and savings, underpinned by the socio-cultural significance of gold.
GoldFin is the premier platform to bring conveniences by reducing customer journey and induction of technology to reinforce customers’ trust in the collateral assessment and its safe keeping. Along with its organic business, the platform serves the banks /FIs to offer GBL products to their customers under the stewardship of GoldFin to minimize the related risks. This combined effort is focused to explore the opportunities offered by immense holding of gold assets (jewelry/ornaments) by ordinary households. I am confident that the concept and business model of GoldFin has the strategic dimension with robust execution potentials to capitalize the socio-cultural capacity of the product for the benefit of the masses.
I would like to express my admiration for the optimism and faith of our team members. During the uncertain times of the COVID-19 pandemic, they pooled their personal savings to establish this company, navigating challenges to lay a solid foundation for long-term success. Their efforts have also earned the trust of our customers, with a significant portion of our clientele comprising women. Moreover, GoldFin’s compelling vision has attracted international investors, including Insitor Impact Asia Fund II Pte. Ltd. of Singapore, which invested USD 2 million in March 2023. This investment has bolstered GoldFin’s capital base, fueling geographic expansion and accelerating business growth.
Our vision extends beyond simply being a market player. We aspire to leave a lasting impact on the financial industry by fostering a culture of continuous learning, innovation, and professionalism. We firmly believe that our success depends on the dedication and expertise of our people. As we move forward on this journey, I encourage every member of the GoldFin family to invest in their personal and professional growth, embrace collaborative thinking, and leverage technology to drive product development and service delivery. It is essential to remain mindful of the prevailing economic challenges and develop the resilience needed to guide GoldFin through turbulent times.
Together, we will make GoldFin a world-class company that offers equal opportunities to all, while upholding our core values of customer-centricity, respect, transparency, and innovation.
