The Munshi blog · Pakistan

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Getting paid faster as a small business in Pakistan: reduce udhaar losses

Eight practical habits to collect payments, protect your cash flow and lose less to unpaid udhaar, written for dukandaars.

Ramzan and Eid udhaar: how to manage seasonal credit in your shop

Ramzan and Eid bring the busiest weeks of the year, and the biggest udhaar. A plan for giving credit safely and collecting it afterwards.

How to manage udhaar digitally: a simple customer credit tracking system

Set up a digital khata for customer credit in an afternoon, and keep it accurate in a few seconds a day.

Paper khata to digital: how to move your bahi khata to a mobile app

A calm, step-by-step plan to replace a paper register with a digital ledger without losing a single balance.

Seven small habits of a khata that always balances

You don’t need accounting training. You need the same few habits, every day.

Why we built Munshi: a khata app made for how Pakistan does business

Pakistani shopkeepers already run on trust and the khata. The tools never caught up. This is why DIGIT built Munshi, and what a khata app has to get right here.