Financial Inclusion Department

Researches reveal that Financial Inclusion plays a vital role in achieving macroeconomic goals such as extensive economic growth, reducing income inequality and eradicating poverty in the country.

Considering the importance of Financial Inclusion as well as the recommendations of International Organizations such as IMF and the World Bank for developing and emerging economies with regards to taking necessary steps, management of Da Afghanistan Bank established the Financial Inclusion Department in June 2016.


The vision of FID is to provide convenient, secure, proper, economical, high quality and continuous access to financial services for mature section (above the legal age) of the society especially the low-income, vulnerable and deprived section of the society. Such financial services include bank account, saving account, retirement account, insurance, access to loans and the required payment systems.


Financial Inclusion Department follows the following objectives in its scope of work:

·        Expansion of financial inclusion especially for poor and low-income segments of the society;

·        Maintaining the financial services consumer rights;

·        Reducing income inequality and eradicating poverty in the country;

·        Establishing a strong and dynamic environment for extensive economic growth;

·        Improving the financial knowledge and capabilities of financial sector consumers;

·        Promotion and improving the Pass dictionary.

Duties and Responsibilities:

The summary of duties and responsibilities of Financial Inclusion Department is mentioned as follows:

·        Establishment of national database for Financial Inclusion;

·        Conducting diagnostic studies in order to indentify challenges and obstacles facing financial inclusion in the country;

·        Preparation and compilation of national strategy for financial inclusion;

·        Preparation and compilation of strategy for financial knowledge in the country;

·        Establishment of an effective supervisory and regulatory system for the implementation of financial inclusion strategy;

·        Drafting and compilation of laws and regulations on financial inclusion consumer rights support;

·        Conduct of training programs and workshops as well as public awareness campaigns on Financial Inclusion;

·        Providing suggestions for the improvement of public access to financial services in the country.

Organizational Structure:

Currently, Financial Inclusion department consists of seven positions headed by a Director General. Financial Inclusion department has a deputy director and five more sections which are described as under:

1.     Responsible Finance and Consumer Protection section:

This section conducts activities such as protecting the rights of financial services consumer and supervising the method, quality, transparency, full disclosure of information and conditions of financial products as well as the methods for delivering the services to the consumers;

2.     Financial Inclusion Policy and Regulation:

This section is responsible to review the current legal framework of Financial Inclusion in Afghanistan and to compare it with international best practices. Moreover, this section identifies regulatory challenges and limitations and provides necessary modifications in order to establish a dynamic and creative legal framework and to hold supporting policies for Financial Inclusion;

3.     Data Measurement Section:

The main duties of this section include review of international guidelines on Data and Financial Inclusion development index, establishment of national database for Financial Inclusion, conduct of diagnostic studies to indentify the challenges and obstacles ahead of Financial Inclusion in Afghanistan, management and usage of financial data (data on demand and supply).

4.     Financial Sector Infrastructure Section:

The Financial Sector Infrastructure section identifies the obstacles and provides development plans to boost the financial sector infrastructure such as strengthening credit information and payments systems. In addition, this section is responsible for physical infrastructure of financial sector like locations for financial access;

5.     Public Awareness and Communication section:

Public Awareness and Communication section is responsible for public awareness and providing the methods for communications and transfer of financial information using the existing and conventional tools.