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This lecture explains the nature and importance of Small and Medium Enterprises (SMEs) in Pakistan — a core topic in Entrepreneurship & Small Business Management.

📌 What you'll learn:
✔️ What is an SME? Key terms: turnover, paid-up capital, headcount
✔️ Comparing SME definitions: SMEDA, State Bank of Pakistan (SBP - revised July 2026), SECP, and PBS
✔️ How to classify a business as micro, small, or medium (with worked examples)
✔️ SME contribution to GDP, employment, and exports — globally and in Pakistan
✔️ The SME financing gap and why it exists
✔️ Role, functions, and initiatives of SMEDA (Small & Medium Enterprises Development Authority)
✔️ SME opportunities for healthcare and lab science graduates

🕐 Topics Covered:
1. SME Definitions (SMEDA, SBP, SECP, PBS)
2. SME Contribution to GDP, Jobs & Exports
3. Role of SMEDA

📚 Sources: SMEDA, State Bank of Pakistan, SECP, PBS Economic Census 2023, World Bank, IFC

🎓 Course: Entrepreneurship & Small Business Management
🏫 CKMC – Allied Health Sciences Institute | BS Medical Laboratory Technology (BS MLT)

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#SME #SMEsInPakistan #SMEDA #Entrepreneurship #SmallBusiness #PakistanEconomy #StateBankOfPakistan #SECP #BusinessStudies #GDPGrowth

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Transcript
00:04So in this lecture again we covered SME definition, SME contribution to GDP and role of Samda.
00:14So SME definitions we will discuss in Pakistan's institutions, Samda's Bank of Pakistan Security and Exchange Commission.
00:23Now we will discuss in terms of the criteria.
00:29We will discuss in terms of GDP and Pakistan's context.
00:40We will discuss in terms of GDP and share.
00:53And we will discuss in terms of SME, which is under SME, which is what the functions and services are.
01:04And we will discuss in terms of healthcare and robotics.
01:12So we will discuss in terms of GDP.
01:15So we will discuss in terms of GDP.
01:16A small and medium enterprise is a business.
01:19Usually owned, managed, whose size mirred by annual sales.
01:24Turnover, number of employees are capital.
01:28Far below the legal ceiling set for large firms.
01:35There are also businesses that are large and medium is limited to medium firms.
01:41Even micro enterprises can also be considered as small.
01:49The market is Fortune and cash-insum and investment.
01:58More than greater than the majority of investors are available to income.
01:59Whatever the purchase means would be considered as a common transaction.
02:02to be a
02:03a
02:04a
02:05a
02:06a
02:06a
02:06a
02:06a
02:06a
02:07a
02:07a
02:07a
02:10a
02:11a
02:16a
02:17a
02:18a
02:18a
02:22a
02:23a
02:24a
02:24a
02:24a
02:24a
02:25a
02:25a
02:25we use it.
02:27And
02:28we have to discuss
02:31the
02:35micro enterprise
02:38that
02:38is
02:38very small level
02:40that
02:40is
02:42a
02:43family helper
02:45is
02:45a
02:46family
02:47is
02:47is
02:47a
02:50home-based sample collection services
02:53are a road site T-star.
02:57This is a small enterprise
03:08which is fixed premises
03:11and
03:15regular customers
03:16small enterprise
03:16which is fixed premises
03:16and
03:18we
03:19have a
03:20diagnosis
03:21center
03:22or
03:22laboratory
03:23we
03:24can
03:24use it.
03:29Medium
03:30enterprise
03:31is
03:32department
03:34managers
03:36and
03:37branches
03:38which
03:38can
03:38be
03:38branch
03:38to
03:41to
03:42to
03:44to
03:44to
03:47to
03:48to
03:48to
03:48to
03:48to
03:49to
03:59to
04:00this
04:05is
04:10to
04:11do
04:15to
04:16to
04:16to
04:16overall, we can see that this small amount of business is a small amount of business and we can see
04:22it as a small amount of business.
04:25The terms of this topic is the annual sales turnover.
04:32that business has 1 year of sales and 1 year of sales.
04:45The total sales is discussed.
04:54can do it. It's a big deal. If this one is a big deal, it's a big deal. It's a
05:08big deal.
05:09It's paid up capital. Paid up capital is called shareholders actually pay company or business.
05:18It's called onours and they paid up capital.
05:25It's a head count number of employees, which is the number of employees, which is the number of employees, which
05:37is the number of employees.
05:42It's a head count number of employees, which is the number of employees and the number of employees.
06:08They are the numbers of employees.
06:11The number of employees is the number of employees , which is the number of employees, which is the number
06:19of employees.
06:24as a result of a fact of the contract that doesn't exist.
06:27If you register the contract without registration,
06:30the contract doesn't exist.
06:31Finance is a case of the contract.
06:37You must get the contract to pay the contract,
06:41so that you can see a contract at the $50,000,000.
06:49आपने अपने अपना अपने कर तो जो बीस लाग के वो गैप आए अब जो है अब क्रेटरिस्ट्रिस्ट्स है ऐसे
07:09वे इस की वह
07:12What the blame is going on?
07:14What the blame is going on?
07:46It is limited to a small workforce, it is limited to a small workforce, it is limited to a small
08:04workforce.
08:04roles, such as a technician, a simpler, a worker, a seller, a cashier, a maker, and a helper.
08:18Local market normally, because it is new businesses, so this is local market, small community
08:26بزنسز کی سرس کرتے ہیں کیونکہ یہ چھوٹے بزنسز ہیں تو یہ جلتی
08:35wonپ ہو جاتے ہیں اس کی ڈسی اٹ میکنگ جلدی ہوتی ہے اور یہ کسٹمر کا جو
08:40بھی ریکش ہوتی ہے اس کو فورا جلدی اس کے اوپر رد مل دیتے ہیں ریزن
08:44کیونکہ چھوٹا بزنس ہے تو اس کو ٹائم نہیں دکتا پھر جو ہے لیمٹیڈ
08:50access to finance. SME risk here. So credit is also difficult to make it easy to make it easy.
09:02Now let's take examples of small, medium and micro.
09:14So micro enterprise, small enterprise and medium enterprise.
09:18So small enterprise is seen as a business owner.
09:28Solana revenue, total sales is 30 million.
09:39This is a food cart.
09:42This is a food cart.
09:42This is a food cart.
09:44This is a food cart.
09:57If you want to use it,
10:01it is a food cart and because it's white,
10:06it's a food cart.
10:11It's a food cart.
10:14This is a food cart.
10:16This is a food cart.
10:19It's a food cart.
10:27we have to discuss the small enterprise which we have to discuss in which we have to discuss
10:37ڈیسے ملین سے لے کے اراؤنڈ 150 ڈو 400 ملین یہ ایک اہم چیز ہے آپ یہ کہہ
10:45کتے ہیں یہ ایکسیک فگرز نہیں ہے یہ ایک ایسی میٹھی فگرز ہے ہے
10:49ڈیسے جگہ پہ دیکھنے گا یہ ہے کہ ان کی نیزت اس کے امسا لے لیں گے
11:00with a bakery which has no complies.
11:07Stitching and packing equipment, company capacity and packing.
11:15This can be a big medical store and we can install it.
11:20Medical supplies can be used.
11:23These figures have different institutions.
11:28For example, SEMDA is a small value.
11:33It says that 150 million is a small enterprise.
11:38But if we go to state bank,
11:40state bank is 400 million.
11:43This is a small enterprise.
11:49State bank has changed.
11:54The medium enterprise
11:56is 150 million to 800 million.
12:01Up to 2,000 million.
12:07Multiplying laboratory network.
12:10Surgeical instrument manufacturers.
12:15The digital distribution of medical devices.
12:20This is the most popular situation.
12:24That would be our choice.
12:41now we can define the rules that are there.
12:50We can say that the same business will be 300 million.
12:58and the state bank is also called micro.
13:04The small enterprise is about 30 million to 140 million,
13:10but the state bank is about 30 to above 400 million.
13:17and medium enterprise 150 to 800 million and state bank of Pakistan is 400 to 1000 million
13:50and state bank of Pakistan is 100 to 100 million and state bank of Pakistan is 100 to 100 million
14:01and state bank government constitution is a little difference is a lot of condition
14:25is that 330 million to 140 million, then 30 million to 400 million, that's why we have
14:34a message here.
14:41Again, SEMDA definition is SNCP.
14:46PBS is what it means.
14:51SECPU is a small size of capital 10 million turnover not exceeding 150 million
15:03or implies 204.
15:05is error now. And the NBFC regulation is revenue
15:16150 million se kama turnover implies 50 se kama. It's a medium turnover 150
15:26million se kama. I'm sorry. I'm sorry. I'm sorry. It's 7
15:5510 years ago.
15:55We have 34 million people.
16:01We have a family of 49 years and have a family of 99 years.
16:17We have a family of 49 years.
16:19It has been a family of 49 years.
16:19We have a family of 49 years.
16:23I don't know.
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Ahscholars
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SMEs in Pakistan Explained: Definitions, GDP Share & SMEDA's Role | Week 2 Lecture

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