12% of Pakistan Women | 7.5 million people
traditional, struggling, independent
Click below to learn more:
“We are one family, we are one household.”
Zeenat wants a child more than anything. As a woman in her early 50s, it seems unlikely, but she hopes Allah will support her wish. Zeenat appeals to Allah for matters that seem insurmountable by other means; in her life there have been many such challenges. Zeenat has lived in a closed family compound in the village of Gadap most of her life. The infrastructure is inadequate - they have not had water, regular electricity, or gas, for years. She cooks meals for her husband and herself - and the four year old boy they take care of - over an open fire in the house. Sickness is common in their family, she blames the raw sewage that seeps into the walls of some of the homes is responsible. The families in the compound all feel the burdens of life in Gadap and all have adapted in different ways, including to rely on each other to share costs in times of need. Water, for example, has been an issue for so long, they now share the monthly cost of hiring 2-3 tankers to deliver water, which is split across the families. They also share child-care, and cover other expenses for each other when times are tough.
by the numbers
Like Zeenat, Conservative Individualists are mostly older, less religiously expressive women with limited education of low socioeconomic (SES) status. Approximately 7.5 million
(12% of the adult female Pakistan population) fall in this segment.
Pakistan Women Average
SOCIOECONOMIC (SES 1-2)
HIGH INCOME VOLATILITY
Conservative Individualists exhibit the weakest financial behavior in almost every measure, particularly in building reserves, planning and prioritization. However, they exhibit about average income volatility both week to week and each day, while they are the least likely to report having a plan for their household expenses.
Financial Behavior & Attitudes
SAVINGS BEHAVIOR & ATTITUDES
Conservative Individualists’ savings frequency is the lowest for every time interval measured except “less than once per year.” Most do not save ever, and they average almost no savings channels in use quarterly. As the weakest segment on measures of planning and prioritization, most are not deliberate
As such, they have the lowest access and use of informal groups and mobile wallets for saving.
BORROWING BEHAVIOR & ATTITUDES
Most Conservative Individualists never borrow, and when they do, prefer to do so through family.
Out of those who borrow, most borrow through family and informal groups or friends. No Conservative Individualist borrows through mobile money, in common with all Pakistani women.