Pakistan rolls out first climate-smart agri-finance loans powered by SUPARCO satellite intelligence

A farmer waters a crop of hybrid red chili pepper seeds in Kunri, Umerkot, Pakistan, on March 18, 2022. (REUTERS/File)
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Updated 17 November 2025
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Pakistan rolls out first climate-smart agri-finance loans powered by SUPARCO satellite intelligence

  • Pilot uses satellite imagery and remote-sensing analytics to guide smarter, faster and climate-aware agri-credit decisions
  • Initiative aims to strengthen climate resilience, support productivity and modernize Pakistan’s rural lending system

KARACHI: HBL Microfinance Bank has begun disbursing Pakistan’s first climate-smart agriculture loans using satellite data in partnership with SUPARCO, marking a significant shift toward technology-driven, climate-resilient farming, according to a statement released on Monday.

Agriculture employs nearly half of Pakistan’s workforce yet remains highly exposed to climate shocks, making access to reliable and timely credit increasingly critical. Traditional agri-financing relies on manual field verification, leaving lenders unable to accurately assess crop health, land use or climate-related risks. The pilot, developed jointly with SUPARCO, the national space agency, aims to change that by using satellite imagery, remote-sensing analytics and crop monitoring to guide lending decisions, reduce loan risks and support farmers facing rising weather volatility.

With agriculture forming a major share of employment and GDP, the shift toward climate-smart, data-driven financing is seen as essential for improving resilience, modernizing rural credit systems and expanding access to finance for smallholders. The HBL Microfinance Bank–SUPARCO collaboration is expected to serve as a template for scaling satellite-enabled agricultural lending nationwide.

“By integrating satellite intelligence into agri-financing, we are equipping farmers with the tools to withstand climate risks, improve productivity, and contribute to national food security,” said Amir Khan, President & CEO of HBL Microfinance Bank, according to a statement.

“Furthermore, it also strengthens risk management for the banking sector financing agriculture. This partnership reflects our commitment to delivering innovative, inclusive, and climate-resilient financial solutions, and we look forward to scaling it up very soon.”

The project uses SUPARCO’s remote-sensing capabilities to generate detailed assessments of land use, crop patterns and vegetation stress. Combined with HBL MfB’s on-ground presence in rural districts, the approach enables lenders to issue financing that is more aligned with real-time field conditions and farmers’ actual crop cycles.

“This collaboration showcases how Pakistan’s space technology can directly support economic development,” said Zafar Iqbal, Member (SAR), SUPARCO.

“By applying satellite analytics to agriculture, we are strengthening livelihoods and contributing to national climate resilience.” 


Peace can only prevail if Afghanistan renounces support for ‘terrorism’— Pakistan defense chief

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Peace can only prevail if Afghanistan renounces support for ‘terrorism’— Pakistan defense chief

  • Pakistan’s chief of defense forces visits South Waziristan district bordering Afghanistan
  • Pakistan says has killed 481 Afghan Taliban operatives since clashes began last Thursday

ISLAMABAD: Pakistan’s Chief of Defense Forces Field Marshal Syed Asim Munir said on Wednesday that peace with Afghanistan can only prevail if Kabul renounces support for “terrorism” and “terrorist” organizations, the military’s media wing said as the two countries remain locked in conflict. 

Fighting between the two neighbors, the worst in decades, broke out last Thursday night after Afghan forces attacked Pakistan’s military installations along their shared border. Afghanistan said its attacks were in response to earlier airstrikes by Pakistan against alleged militant hideouts in its country. 

Pakistan accuses Afghanistan of sheltering militant outfits such as the Tehreek-e-Taliban Pakistan (TTP) on its soil who have launched attacks against Pakistani civilians and security forces in recent years. Kabul denies the allegations. 

Munir visited Wana town in Pakistan’s South Waziristan district to review the security situation and troops’ operational preparedness at the Afghan border, the Pakistani military’s media wing said in a statement. 

“The Field Marshal reiterated that peace could only prevail between both sides if the Afghan Taliban renounced their support for terrorism and terrorist organizations,” the Inter-Services Public Relations (ISPR) said. 

The military chief said the use of Afghan soil by militant outfits to launch attacks against Pakistan was unacceptable, vowing that “all necessary measures” would be taken to neutralize cross-border threats. 

During the visit, Munir was briefed by military commanders about ongoing intelligence-based operations and measures being taken by the military to manage the border with Afghanistan.

He was also briefed about “Operation Ghazab Lil Haq” or “Wrath for the Truth,” the name Pakistan has given to its military operation against Afghan forces, the ISPR said. 

The Pakistani military chief spoke to troops deployed in the area, praising their vigilance, professional conduct and high morale, the ISPR said. 

Pakistan’s Information Minister Attaullah Tarar said on Wednesday that the military has killed 481 Taliban operatives, injured more than 690 and destroyed 226 Afghan checkposts since clashes began. 

Arab News has been unable to verify claims by both sides about the damages they claim to have inflicted on each other.

Afghanistan has signaled it is open for dialogue but Pakistan rejected the offer, saying it would continue its military operations till its objectives were achieved. 

Since the conflict began, diplomatic efforts have intensified with several countries, including global bodies such as the European Union and United Nations, urging restraint and calling for talks.

Turkish President Recep Tayyip Erdogan told Pakistani Prime Minister Shehbaz Sharif that ⁠Ankara would help ⁠reinstate a ceasefire, the Turkish Presidency said on Tuesday, as other countries that had offered to mediate have since been hit by the conflict in the Gulf.