ISLAMABAD: Pakistan Institute of Development Economics (PIDE) ke ek seminar mein experts ne kaha ke Pakistan ki kam domestic savings ko sirf lambay muddat ke economic aur social reforms ke zariye hi durust kiya ja sakta hai. Seminar ka title tha “The Challenges of Low Savings in Pakistan”, jis me PIDE Vice Chancellor Dr. Nadeem Javaid ne chairing ki, aur Sohaib Jamali, Additional Director/Division Head, State Bank of Pakistan, keynote speech diye.
Experts ne bataya ke Pakistan ko taxes rationalize karna, capital markets mazboot karna, retail participation barhana, pension aur takaful systems expand karna, aur digitized last-mile savings access ko promote karna hoga. Unka kehna tha ke savings ko productive investment ke saath link karna zaruri hai taake sustainable growth ho sake.
SBP ke analysis ke mutabiq, Pakistan ka domestic savings rate pichlay 20 saalon se 12–15% ke beech hai, jo ke investment takeoff ke liye required 20% se kaafi kam hai. Low savings ka sabab structural hai: low growth, high inflation, youth dependency, informal economy, aur underdeveloped financial markets. Log gold aur real estate mein invest karte hain kyun ke formal instruments se real returns low ya negative hain.
Dr. Haider Ali ne kaha ke sirf savings barhana kafi nahi hai, productivity ko bhi improve karna hoga. Dr. Nadeem Javaid ne social aur cultural norms ka zikr karte hue kaha ke housing shortage, high real estate returns, aur strong family networks savings patterns ko influence karte hain. Unhone international experience ka hawala dete hue mandatory long-term pension savings aur professional fund management ko recommend kiya.
Dr. Javaid ne conclude karte hue kaha: “URAAN Pakistan ke trillion-dollar goals achieve karne ke liye domestic savings rate ko kam az kam 20% tak barhaya jana chahiye, aur saath hi productivity aur financial architecture ko mazboot karna hoga.”
