Building bridges
We help sustainable business growth
Empowering communities with digital inclusion through green financing
Ghashful Explained
Ghashful is an AI-powered aggregator platform connecting individuals, SMEs, and corporates with financial institutions to finance mobile phone purchases. By partnering with banks, FIs, and micro-finance institutions, Ghashful enables users to access affordable loans for personal or business mobile phone needs. Financial institutions benefit from a growing customer base, while individuals and businesses gain access to crucial mobile devices, driving digital inclusion and business growth. Whether you’re looking to enhance personal connectivity or provide essential tools to your employees, Ghashful is your trusted partner for sustainable, technology-driven growth.
Where We Work
Financial Analysis and Risk Management
To ensure the stability and success of Ghashful’s financing operations, expertise in financial See More
Financial Analysis and Risk Management
To ensure the stability and success of Ghashful’s financing operations, expertise in financial analysis and risk management is crucial. This involves evaluating the financial health of partner banks, MFIs, and customers to mitigate the risk of defaults. Professionals in this area must be adept at analyzing credit reports, assessing loan portfolios, and developing strategies for portfolio insurance. They also need to stay updated with market trends and regulatory changes to adjust risk management practices accordingly.
Technology and Systems Integration
Seamless integration of various technological systems is vital for Ghashful’s operations. See More
Technology and Systems Integration
Seamless integration of various technological systems is vital for Ghashful’s operations. This expertise covers the development and maintenance of the platform’s infrastructure, ensuring smooth connectivity between different partners, including financial institutions, device suppliers, and mobile network operators. IT professionals must handle system integration, data management, and cybersecurity to protect sensitive information and ensure the platform operates efficiently and reliably.
Partnership Management and Communication
Effective management of partnerships is key to Ghashful’s success. See More
Partnership Management and Communication
Effective management of partnerships is key to Ghashful’s success. This expertise involves building and maintaining strong relationships with banks, MFIs, device suppliers, mobile network operators, and insurance companies. Professionals in this area must excel in negotiation, stakeholder communication, and collaboration to ensure all parties are aligned with the platform’s goals. They also need to manage expectations, address concerns, and facilitate smooth operational workflows between different partners.
Regulatory Compliance and Legal Affairs
Navigating the regulatory landscape is essential for Ghashful to operate within legal boundaries. See More
Regulatory Compliance and Legal Affairs
Navigating the regulatory landscape is essential for Ghashful to operate within legal boundaries and maintain trust with stakeholders. Expertise in regulatory compliance and legal affairs ensures that all financing operations adhere to local laws and industry regulations. This includes understanding financial regulations, data protection laws, and consumer rights. Legal professionals must also handle contracts, resolve disputes, and stay informed about any changes in the regulatory environment that could impact Ghashful’s operations.
Empowering Through Access
Ghashful Equity focuses on empowering both individuals and businesses by ensuring equitable access to essential resources and financial services. By integrating technology and finance, Ghashful bridges the gap between underrepresented communities and financial institutions, enabling greater participation in the digital economy. This empowerment is key to fostering self-sufficiency and economic growth among diverse populations.
Promoting Fairness in Operations
At the heart of Ghashful Equity is a commitment to fairness in all operations and partnerships. The platform is designed to ensure that benefits are distributed equitably among all participants, from end-users to corporate partners. By fostering a transparent and inclusive ecosystem, Ghashful builds trust and ensures that growth is shared, making fairness a cornerstone of its business model.
Driving Socio-Economic Development
Ghashful Equity plays a crucial role in driving socio-economic development by connecting financial institutions, technology providers, and users. This interconnected approach enables communities to access new financial opportunities and technological tools, leading to increased economic activity and social progress. Ghashful’s commitment to equity ensures that these benefits are felt across all levels of society, contributing to broader socio-economic advancements.
Building Sustainable Growth
Through Ghashful Equity, the platform supports sustainable growth by creating long-term value for all stakeholders. This involves transparent practices that build trust and collaboration, ensuring that the success of Ghashful is reflected in the growth and prosperity of its partners. By fostering an environment where growth is both inclusive and sustainable, Ghashful Equity helps businesses and communities thrive in a rapidly changing world.
Why Ghashful Equity
Empowering Through Access
Ghashful Equity focuses on empowering both individuals and businesses by ensuring equitable access to See More
Promoting Fairness in Operations
At the heart of Ghashful Equity is a commitment to fairness in all operations and partnerships See More
Driving Socio-Economic Development
Ghashful Equity plays a crucial role in driving socio-economic development by connecting financial See More
Building Sustainable Growth
Through Ghashful Equity, the platform supports sustainable growth by creating long-term value for all stakeholders See More
we serves
Micro, Small and Medium Entrepreneurs
Individual
Teachers community
RMG Sector
Pharmaceuticals
Fast-moving consumer goods (FMCG)
NGO
Sales & Distributions
Supply and Logistics
Food and Beverages
Law-Enforcement Agency
Any Business
Our Numbers
Sold Devices
Partners
Avg. Monthly Sales Target
Area Coverage (Districts)
Our Clients
Case Studies
Impact of Ghashful achieving UN sustainable development goals (SDG)
Ghashful’s alignment with the United Nations Sustainable Development Goals (SDGs) represents a transformative step towards fostering inclusive and sustainable growth. By integrating innovative financial solutions with advanced digital technology, Ghashful addresses critical challenges related to poverty, economic inequality, and technological access. The platform's commitment to providing affordable financing options for smartphones and facilitating seamless partnerships between financial institutions and underserved communities contributes significantly to the achievement of various SDGs. This holistic approach not only empowers individuals and small businesses but also drives systemic change towards a more equitable and resilient global economy. Here’s how Ghashful’s efforts align with and advance various SDGs:
Impact of Ghashful Achieving UN Sustainable Development Goals (SDG)
1. No Poverty
By providing affordable financing options for smartphones, Ghashful
can enhance access to digital tools for low-income individuals and
small businesses. This financial inclusion helps lift people out of
poverty by enabling them to participate in the digital economy,
access better job opportunities, and improve their livelihoods.
2. Decent Work and Economic Growth
Ghashful contributes to economic growth by supporting SMEs, MSMEs,
and CSMEs with financing options. This helps these businesses
thrive, create jobs, and stimulate economic activity. The platform’s
integration with various financial institutions also promotes
financial stability and sustainable economic growth.
3. Industry, Innovation, and Infrastructure
The platform enhances digital infrastructure by facilitating access
to smartphones, which are essential for modern communication,
business operations, and innovation. Improved access to technology
supports the development of new industries and encourages
innovation, contributing to the advancement of the digital economy.
4. Reduced Inequalities
Ghashful’s focus on financial inclusion directly addresses
inequality by providing underserved communities with access to
financing. By bridging the gap between financial institutions and
individuals or businesses that may otherwise be excluded, the
platform helps reduce economic disparities and fosters greater
equity.
5. Sustainable Cities and Communities
By improving access to digital tools, Ghashful supports the
development of smart, connected communities. Enhanced digital access
contributes to more efficient public services, better communication,
and greater community engagement, leading to more sustainable urban
and rural environments.
6. Responsible Consumption and Production
Ghashful’s partnerships with device suppliers and insurance
companies promote responsible consumption by ensuring that
smartphones are provided through sustainable and ethical means. The
platform’s focus on insurance coverage also helps in managing
electronic waste responsibly and supports the circular economy.
7. Partnerships for the Goals
Ghashful exemplifies effective partnerships by collaborating with
banks, MFIs, device suppliers, mobile network operators, and
insurance companies. These collaborations strengthen the network
needed to achieve SDGs and demonstrate how cross-sector partnerships
can drive significant progress towards global goals.
How Ghashful can influence facing challenges of climate change
Ghashful’s innovative platform, which enables affordable access to smartphones through strategic financing, also plays a significant role in addressing climate change. By connecting various stakeholders—ranging from banks and device suppliers to insurance companies—Ghashful fosters the adoption of energy-efficient technologies and promotes sustainable practices. Its operations extend beyond merely facilitating technology access, influencing the broader climate agenda through support for green initiatives, responsible e-waste management, and the enhancement of digital solutions for climate action. As such, Ghashful contributes to reducing environmental impact and supporting global sustainability efforts, making a meaningful difference in the fight against climate change. Ghashful's impact on climate change can be understood through several key dimensions related to its operations and the broader effects of its activities:
How Ghashful can influence facing challenges of climate change
1. Promotion of Sustainable Technology Use
By facilitating access to smartphones through financing, Ghashful
encourages the adoption of energy-efficient and eco-friendly
devices. Modern smartphones often incorporate energy-saving
technologies and efficient materials, contributing to reduced
overall energy consumption and a lower carbon footprint.
2. Enhanced Access to Digital Solutions for Climate
Action
Smartphones enable users to access a range of digital applications
and platforms that can support climate action, from weather
forecasting and disaster management to energy-saving apps and
environmental awareness tools. By increasing access to these
technologies, Ghashful indirectly supports more informed and
effective climate action at the individual and community levels.
3. Support for Green Financing Initiatives
Ghashful’s collaboration with financial institutions and insurance
companies can include the promotion of green financing and
sustainable investment options. This support can encourage the
funding of environmentally friendly projects and technologies,
contributing to broader climate goals and sustainability efforts.
4. Reduction of Electronic Waste Through Insurance and Recycling
Programs
By partnering with insurance companies, Ghashful helps ensure that
devices are covered and managed responsibly. This partnership can
facilitate the implementation of recycling programs and proper
disposal of electronic waste, reducing environmental impact and
promoting the responsible lifecycle management of smartphones.
5. Encouragement of Sustainable Business Practices
The platform’s collaboration with device suppliers and other
partners can include the promotion of sustainable and ethical
business practices. This can involve sourcing materials responsibly,
reducing carbon emissions in manufacturing processes, and supporting
initiatives that minimize environmental impact.
6. Increased Digital Literacy for Environmental Awareness
Access to smartphones empowers users with digital literacy, which
can be leveraged to increase awareness about climate change and
sustainable practices. Ghashful’s role in bridging the digital
divide helps ensure that more people can engage with and contribute
to environmental sustainability efforts. Access to smartphones
empowers users with digital literacy, which can be leveraged to
increase awareness about climate change and sustainable practices.
Ghashful’s role in bridging the digital divide helps ensure that
more people can engage with and contribute to environmental
sustainability efforts.
Call To Action
We invite potential donors to partner with us in scaling this innovative platform and contributing to the socio-economic transformation of Bangladesh. Their support will help bridge the digital divide, foster financial inclusion, and uplift millions of underserved individuals and small businesses.
Frequently Asked Questions
What is Ghashful, and how does it work?
Ghashful is a device financing aggregator platform that enables individuals and small businesses to purchase smartphones through financing from partner banks, MFIs, and other financial institutions. The platform connects various stakeholders—including banks, device suppliers, mobile network operators, and insurance companies—to provide seamless access to affordable technology. Users can apply for financing through Ghashful, and upon approval, receive their desired smartphone with flexible payment options.
Who is eligible to use Ghashful’s services?
Ghashful’s services are available to CSMEs, MSMEs, SMEs, and individual customers in Bangladesh. Eligibility criteria may vary depending on the financial partner and the specific financing plan. Generally, applicants need to provide basic identification and financial information to assess their creditworthiness. The platform is designed to be inclusive, catering to underserved communities to promote financial and digital inclusion.
How does Ghashful ensure the security of my personal and financial information?
Ghashful prioritizes the security and privacy of its users. The platform employs advanced encryption technologies and adheres to strict data protection protocols to safeguard personal and financial information. Ghashful also works with reputable financial institutions and partners that comply with industry standards for data security. User data is handled with the utmost care to prevent unauthorized access and ensure confidentiality.
What happens if I’m unable to repay my smartphone loan on time?
If you’re unable to repay your smartphone loan on time, it’s important to contact your financing partner as soon as possible to discuss your options. Ghashful’s partner financial institutions may offer various solutions, such as loan restructuring, payment extensions, or other arrangements to help you manage your repayments. In some cases, insurance coverage arranged through Ghashful may also provide support in certain situations, reducing the financial burden.
How does Ghashful contribute to sustainable development and climate action?
Ghashful contributes to sustainable development by promoting financial inclusion, enabling access to digital tools for underserved communities, and supporting the growth of small businesses. The platform also plays a role in climate action by encouraging the adoption of energy-efficient smartphones, supporting e-waste recycling initiatives, and fostering responsible consumption practices among its users and partners.
Can I choose the smartphone brand and model through Ghashful?
Yes, Ghashful offers a range of smartphone brands and models through its partnerships with device suppliers like Samsung and Excel. Users can choose from the available options based on their preferences and financing eligibility. The platform aims to provide a variety of choices to meet the diverse needs of its customers.
Contact
Address
Islam Tower, Level 6, 464/H DIT Road, Rampura, Dhaka, Bangladesh
Call Us
+88 01742-111222