Apart from banks’ loan pricing policy and lack of easy availability, financial institutions are reluctant to venture into new areas as they do not have the capacity to assess the demand and deliver their financial services.
The lack of availability of the faith based system of financial services, lack of alternate delivery channels and financial innovation, inadequate database and information on borrowers, and weak  BIS Review 87/2007  3  enforcement of contract etc. are some of the main stumbling blocks that prevent inclusiveness of financial sector. D.  Pakistan – financial inclusive strategy  Objectives, goals and principles.