Uzair talks to Navid Goraya about Karandaaz’s ongoing work in Pakistan and their focus on improving access to finance for SMEs and women. We also talked about the outlook for the year and the key things that have to happen after elections to rebuild confidence in the economy. Navid Goraya is the chief investment officer of Karandaaz Capital. He has over 25 years of global experience in asset management, investment strategy, product development and corporate finance. Before joining Karandaaz as the CIO, he was leading a Strategic Advisory Firm, White Oak Advisors Inc, in New York where he was involved in serving private equity funds, family offices, banks and insurance companies in support of global investments in the US, Middle East, Southeast Asia and South Asia. Chapters: 0:00 Introduction 1:50 What does Karandaaz do? 11:10 Barriers to financial inclusion 17:00 Role of the National Credit Guarantee Company 22:40 Bringing modern finance to women 28:40 What should happen after elections 34:10 Avoiding past mistakes 37: Reading recommendations Reading recommendations: - Buck Up, Suck Up . . . and Come Back When You Foul Up: 12 Winning Secrets from the War Room by James Carville