Zaigham's Archival Materials - Advisory Center for Affordable Settlements & Housing

Zaigham Mahmood Rizvi

Zaigham .M. Rizvi is the Chairman and Founder of Mutual Fund Association of Pakistan and Vice Chairman of Pakistan Banks Association.

Expert Consultant Housing and Housing Finance

Zaigham Mehmood Rizvi is a Pakistani entrepreneur, technology expert, and public speaker. He is the founder and CEO of the technology company Kwick High-Tech & Solutions, which provides software development, cybersecurity, and other technology-related services to clients worldwide.

Research

My blogs

Presentations

EDUCATION

CERTIFICATIONS

Skills SUMMARY

PROFESSIONAL SUMMARY

Housing and Housing Finance:

Expert Guidance

Served as GCC Advisor on Housing Policy and Finance to Affordable Housing Institute (AHI) of USA for an assignment in Kuwait.

CEO

Establishing physical and web-based low-income housing research center based in Pakistan- Center for Affordable Settlement and Housing (CASH)

Strategic Consultant

Served as Advisor on Infrastructure and Housing to Central Bank of Pakistan (SBP)

Advocator

Have remained actively involved in development and promotion of Long Term Liquidity Facility Institutions like Mortgage Refinance Institutions, and Instruments like REITs, Mortgage Backed Sukuks, and Property Backed Listed Instruments in the Capital Market etc.

Team Leader

Team Lead of Working Group on Low-Income Housing Policy in Pakistan and member Steering Committee to implement 500,000 low-Income Housing Project of Govt. Of Pakistan (Apna Ghar).

Strategic Planner

Currently engaged in establishing a platform to bridge the gap between Academia and Field Practioners/Developers in the area of research on low–cost housing materials and low-cost construction technologies.

Proficient Consultant

In Bangladesh, working for the World Bank as Expert Consultant in Housing and Housing Finance, have conducted a Diagnostic Study and Restructuring Study of Bangladesh House Building Finance Corporation. Under another study have carried out an overall assessment of housing sector of Bangladesh, its issues and possible answers. As Secretary General of Asia-Pacific Union for Housing Finance (APUHF), am constantly in contact with the main stakeholders of housing in Bangladesh, including Bangladesh House Building Finance Corporation (BHBFC), Developers Association (REHAB), and financial institutions involved in housing finance like Islamic Bank Bangladesh.

Expert Consultant

Served as on Housing and Housing Finance to the World Bank, IFC, UN-ESCAP, UN-HABITAT, CMHC of Canada, and Shore Bank Int’l USA internationally applied my extensive background in Housing and Housing Finance, Low-Income Affordable Housing, Development Banking, and Islamic Banking, including the application of Sharia-Compatible models in:
MENA Region: Oman, Egypt, Palestine, Saudi Arabia
• South Asia: Afghanistan, Pakistan, India, Bangladesh, Sri Lanka
• East-Asia: Indonesia, Mongolia, Thailand, Philippines, Singapore, Hong Kong, Vietnam, Korea, Fiji
• Africa: Kenya, Zambia, Uganda, Botswana, Malawi, Senegal and Ghana.

Strategic Partner

In Afghanistan, under various assignments, I have been involved in low-income housing, housing microfinance particularly rural housing finance, review of regulatory regimes, sharia-compatible housing finance, and role of institutional housing finance to prepare a comprehensive overview of housing finance and housing supply and to suggest business models for Way-Forward. For an assignment with First Micro-Finance Bank of Afghanistan (FMFB-A), has developed, and successfully piloted Rural Microhousing Finance Product.

PROFESSIONAL EXPERIENCE

Consultant - Housing & Housing Finance: World Bank Group, USA January 2008 onwards

Happy Clients

1 %

Experience Years

1 %

Awards Won

1 %

Support

Conducted a diagnostic study of the Bangladesh House Building Finance Corporation (BHBFC) with the aim of developing a possible reform and rehabilitation program for BHBFC. Under another study have carried out an overall assessment of housing sector of Bangladesh, its issues and possible answers.

Served as IFC’s Nominee Director on the Board of Palestinian Mortgage & Housing Corporation (PMHC), Palestine and Egypt Mortgage Refinance Company (EMRC), Egypt. In Palestine, was involved in the World Bank’s Technical Assistance Program for design and execution of a large scale Affordable Housing Initiative.

In 2016, served as Team Member on two different Low-Income Housing Studies in Pakistan, where clients were State Bank of Pakistan (the central bank) and Asian Development Bank.

Prepared a Report on Housing Finance in South Asia Region, covering Afghanistan, Pakistan, India, Bangladesh, and Sri Lanka. The report served as background information and research material for the World Bank publication “Expanding Housing Finance to the Underserved in South Asia’ authored by Ms. Tatiana Nenova (August 2010). Also involved in drafting and review of the publication.

Member of the team which conducted a study for Pakistan Mortgage Refinance Company (PMRC).

Worked for the World Bank on an assignment to prepare a comprehensive study on East-Asia Housing Finance Scenario and housing regulatory regimes.

Consultant - UN-ESCAP/UN-HABITAT 2008

Worked on UNESCAP’s sponsored project on “Pro-Poor Housing Finance in Asia and Pacific - a compendium of seven countries.”
Senior Housing Advisor – Shore Bank Int’l, USA (now Enclude-USA) 2011-2013

Senior Housing Advisor – Shore Bank Int’l, USA (now Enclude-USA) 2011-2013

Shelter Afrique, Africa: Worked as Team Lead with Shore Bank Int’l, Washington DC, on an assignment to develop the Social/Micro housing Housing Program in Africa with a focus on seven select countries including Kenya, Uganda, Zambia, Botswana, Malawi, Ghana and Senegal. It was a comprehensive assignment, covering all aspects of Social Housing Supply, Social Housing Finance, Regulatory and Policy recommendations.

First Micro-Finance Bank, Afghanistan: The assignment covered design and development of a Business Model of Rural Housing Micro Finance and Product Line for First Micro Finance Bank (FMFB), Afghanistan.

Worked in Afghanistan for Shore Bank Int’l on an IFC assignment to prepare a comprehensive study on housing demand, supply and regulatory aspects with a set of comprehensive recommendations and way-forward.
Canada Mortgage and Housing Corporation-CMHC

Canada Mortgage and Housing Corporation-CMHC

Served as Team Member of CMHC providing advisory services on housing to a Govt. entity in Saudi Arabia.

Advisor - State Bank of Pakistan (SBP), Pakistan 2008 - 2013

Served as Honorary Adviser to State Bank of Pakistan (the central bank) on Infrastructure and Housing. The position involves advising SBP in its programs for promotion and regulation of housing, real estate and infrastructure in Pakistan.

Advisor - State Bank of Pakistan (SBP), Pakistan 2008 - 2013

Honorary Adviser

Managing Director/Chairman - House Building Finance Corporation (HBFC),

Pakistan 2005 - 2007

Chairman & MD

Served as Chairman and MD of HBFC. Initiated Pakistan’s first “Small and Medium Housing (SMH)” finance program targeting low and middle-income groups.

Recovered large amounts of default loans and transformed a massive non-performing loan portfolio into performing assets through aggressive loan recovery programs. The NPLs Ratio improved from 67% to 37 % during the period.

HBFC experienced a complete turnaround from an ailing financial institution to a proactive, socially responsible and commercially viable housing finance entity in only three years.

Implemented a comprehensive reforms program covering human resource development, preparation of systems and manuals, computerized the loan origination process, etc. HBFC attained ISO 9001-2000 Certification under my tenure.

Enhanced market image through improved customer service.

Elicited International Finance Corporation’s (IFC) technical support for development of long-term Business Plan, and Capacity Building Program.

Introduced and launched country’s first Securitization of Mortgage-Backed Debt Obligation-MBS (Sukuk or Islamic Bonds).

Also introduced the concept of Pakistan’s first Sharia-compatible REIT (i-REIT).

Instituted a plan for setting up a Social Housing Company to specialize in the development of housing for the low and middle-income groups and a Social Housing Bank to focus on micro-housing finance.

Managing Director - Pak-Kuwait Investment Company, Pakistan

2001 - 2004

At this Joint-Venture Development Finance Institution between the Governments of Pakistan & Kuwait, increased balance-sheet size, profitability, and shareholders’ equity to unprecedented levels. The Company’s four-year average profit was three times higher than the highest cumulative profit of previous twenty years.

Attained “AAA” credit rating by two agencies, Corporate Governance Rating of CGR-9 (on a scale of 10) as well as ISO Certification, making this the first financial sector institution in Pakistan with these honors.

Company was also awarded ADFIAP’s ‘Corporate Governance Award’ for its initiative and pro-active compliance of Corporate Governance Standards.

Managing Director - Pak-Libya Holding Company,

Pakistan 1996 - 2001

At this Joint-Venture Development Finance Institution between the Governments of Pakistan & Libya, increased balance-sheet size, profitability, and shareholders’ equity.

Improved credit rating from “A” to “AA” and secured ISO Certification.

Improved market standing and perception.

Senior Executive Vice President - Saudi-Pak Industrial & Agricultural Investment Company,

Pakistan 1986 - 1996

HONORS, AWARDS AND RECOGNITIONS

Outstanding CEO Award

Honored with the “Outstanding CEO Award” from Association of Development Finance Institutions in Asia-Pacific (ADFIAP) in 2004

IT Pioneer Award

Honored with the ‘IT Pioneer Award’ from National Cash Register (NCR), Pakistan.

Founder and Ex-Chairman

Founder and Ex-Chairman of Mutual Funds Association of Pakistan (www.mufap.com).

Fulbright Scholar

Fulbright Scholar – USA (1975-77).

Vice Chairman

Vice Chairman of Association of Development Finance Institutions in Asia and Pacific (ADFIAP) representing nearly 100 financial institutions from 35 countries of Asia-Pacific region.

Founder and Ex-Chairman

Founder and Ex-Chairman of Association of Mortgage Bankers of Pakistan.

What Actually I Do

My Services

Secretary General APUHF

Asia PacificUnion for Housing Finance https://apuhf.info

Founder and Chairman of Sir Syed Deaf Association

Founder and Chairman of Sir Syed Deaf Association, Pakistan, a non-profit organization serving hearing-impaired people (www.sda.com.pk).

What Actually I Do

Chief Patron of Pakistan Association of the Deaf (www.padeaf.org)

40%

French

50%

Arabic

100%

Urdu/Hindi

100%

English

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Recent Articles

I have compiled an extensive collection of housing research studies that encompass a wide range of topics and explore various aspects of the field. This comprehensive compilation includes a diverse array of research papers, articles, and reports that shed light on critical issues related to housing, offering valuable insights into the current state and future trends of this important sector.

Publish Date	Title	Author	Document
19/06/2009	AFGHANISTAN: HOUSING AND HOUSING FINANCE	Zaigham Mahmood Rizvi	Download
06/10/2013	ASIA PASIFIC – SLUMS & URBAN CONGESTION	Zaigham Mahmood Rizvi	Download
08/06/2012	THAILAND: COUNTRY REPORT	Zaigham Mahmood Rizvi	Download
20/09/2012	KOREA: COUNTRY REPORT	Zaigham Mahmood Rizvi	Download
15/06/2012	HOUSING FINANCE IN URBAN INDONESIA	Zaigham Mahmood Rizvi	Download
19/06/2009	EGYPTIAN MORTGAGE REFINANCE CO. (EMRC)	Zaigham Mahmood Rizvi	Download
17/06/2010	CHALLENGES, OPERTUNITIES, HOUSING AND FINANCE- ADFIAP	Zaigham Mahmood Rizvi	Download
09/06/2012	ASIA PACIFIC UNION FOR HOUSING FINANCE	Zaigham Mahmood Rizvi	Download
	IN ASIAN COUNTRIES: SOLAR FOR SOCIAL HOUSING	Zaigham Mahmood Rizvi	Download
05/06/2010	EVOLUTION OF THE REGULATORY FRAMEWORK IN PAKISTAN	Zaigham Mahmood Rizvi	Download
18/06/2010	HOUSING IN SOUTH ASIA	Zaigham Mahmood Rizvi	Download
18/06/2010	PAKISTAN: EVOLUTION OF THE REGULATORY FRAMEWORK	Zaigham Mahmood Rizvi	Download
19/06/2009	LOW INCOME HOUSING INITIATIVES IN PAKISTAN	Zaigham Mahmood Rizvi	Download
21/11/2014	PAKISTAN: TECHNOLOGIES FOR LOW COST HOUSING	Zaigham Mahmood Rizvi	Download
11/06/2009	PAKISTAN LOW INCOME HOUSING SCHEME	Zaigham Mahmood Rizvi	Download
21/11/2014	IUHF Pro-Poor Housing Finance in Asia	Zaigham Mahmood Rizvi	Download
26/06/2009	ASIA: PRO-POOR HOUSING	Zaigham Mahmood Rizvi	Download
21/11/2014	PRO-POOR HOUSING ISSUES AND ASIA-PACIFIC UNION FOR HOUSING FINANCE (APUHF)	Zaigham Mahmood Rizvi	Download
18/06/2010	REGIONAL PROJECT ON PRO POOR HOUSING FINANCE IN ASIA- PACIFIC	Zaigham Mahmood Rizvi	Download

Advisory Center for Affordable Settlements and Housing ACASH

Zaigham Mahmood Rizvi

Expert Consultant Housing and Housing Finance

EDUCATION

CERTIFICATIONS

Skills SUMMARY

PROFESSIONAL SUMMARY

Housing and Housing Finance:

Expert Guidance

CEO

Strategic Consultant

Advocator

Team Leader

Strategic Planner

Proficient Consultant

Expert Consultant

Strategic Partner

PROFESSIONAL EXPERIENCE

Consultant - Housing & Housing Finance: World Bank Group, USA January 2008 onwards

Consultant - UN-ESCAP/UN-HABITAT 2008

Senior Housing Advisor – Shore Bank Int’l, USA (now Enclude-USA) 2011-2013

Canada Mortgage and Housing Corporation-CMHC

Advisor - State Bank of Pakistan (SBP), Pakistan 2008 - 2013

Advisor - State Bank of Pakistan (SBP), Pakistan 2008 - 2013

Honorary Adviser

Managing Director/Chairman - House Building Finance Corporation (HBFC),

Chairman & MD

Managing Director - Pak-Kuwait Investment Company, Pakistan

Managing Director - Pak-Libya Holding Company,

Senior Executive Vice President - Saudi-Pak Industrial & Agricultural Investment Company,

HONORS, AWARDS AND RECOGNITIONS

Outstanding CEO Award

IT Pioneer Award

Founder and Ex-Chairman

Fulbright Scholar

Vice Chairman

Founder and Ex-Chairman

What Actually I Do

My Services

Secretary General APUHF

Asia PacificUnion for Housing Finance https://apuhf.info

Founder and Chairman of Sir Syed Deaf Association

Founder and Chairman of Sir Syed Deaf Association, Pakistan, a non-profit organization serving hearing-impaired people (www.sda.com.pk).

What Actually I Do

Chief Patron of Pakistan Association of the Deaf (www.padeaf.org)

French

Arabic

Urdu/Hindi

English

Success Story

Contact Us

Any Questions? Let`s Consult!

Recent Articles

Naya Pakistan Housing Programe

HOUSING AND HOUSING FINANCE: SHARIA-COMPLIANT LONG-TERM FUNDS AND ROLE OF ISLAMIC-REITS

Research

The U.S. Housing Market: Home Improvement is Real

Naya Pakistan Housing Programe

THE CASE STUDY OF SINGAPORE (SLUMS & RENEWAL)

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