xstate vs Committee: Women’s Guide to Wealth Building

Discover how xstate empowers pakistani women to break free from the limitations of the committee system and start their wealth-building journey through real estate. With low initial investments, liquidity, and a commitment to shariah compliance, xstate is making real estate investing easier and affordable for women investors in Pakistan.

Oct 3rd, 2023
4 min read
Investments

Abdul Haseeb Khan

Author


Pakistani women living in rural areas, without a source of income, often rely on the committee system to generate much-needed cash. However, this form of cash-generating system is not that effective considering the fact that no member of the committee gains any profit from the system. Once the committee is over, the total amount of money spent and received is equal, which means that no gain is made, instead, the immediate requirements at the time of receiving the money have been fulfilled.


Also, a committee may be spread over a long period of time, given that the total sum is huge with small payments divided per month. This could take years for the overall committee to finish during which money may devalue due to rising inflation, and as a result, people receiving cash in the final months of the total period of time might not fully benefit from it due to the devaluation.


Therefore, investing with xstate proves to be a much more intelligent way of generating, not only cash but also gaining profits. With a low initial investment required, and affordable for people from all backgrounds, people, especially women, can fare better with investing in real estate properties through xstate, which makes use of fractionalization, allowing greater accessibility. The concept of fractionalization further addresses many key issues that have been prevalent in the traditional real estate industry of Pakistan in a bid to solidify the sector.


Different ways, in which xstate can provide better returns to women pursuing the committee system, are discussed below.

Low initial investment

Since women relying on the committee system do so to generate cash in tough times, it gives us the idea that they are not that well off. Traditionally, investment in real estate required a hefty initial payment that could be afforded by the rich class of Pakistan. However, with the concept of fractionalization and tokenization, the initial investment needed to purchase a fraction of a real estate property requires a lot less, which may be affordable for all kinds of people. Therefore, women with no source of income, relying on the committee system may invest in a previously inaccessible source of income to generate cash and make profits.

Liquidity

Previously, the real estate sector has been highly illiquid due to the extremely long process before ownership was transferred from the selling party to the buying party. With the incorporation of blockchain technology and the concept of tokenization, fractions of real estate properties may readily be sold on xstate’s online platforms which have resulted in the sector becoming highly liquid. Due to this, investments may be quickly converted into cash, and if a woman is in need of quick cash, and she has invested with xstate, then she has nothing to worry about.

No middlemen

Another perk of investing with xstate is the absence of real estate agents that may exploit investors for their personal gain. People are often wary of manipulative real estate agents, which is why they abstain from investing in the sector. When investing with xstate, women need not worry as there is no place for a middleman on a blockchain. The whole blockchain is centralized, with immutable ledgers which do not get impacted by external influence, once the records have been saved on the ledgers. Therefore, investments may be made in the real estate sector through xstate, without needing to worry about getting exploited by middlemen.

Shariah Compliance

Most importantly, xstate prioritizes religious beliefs and values, and hence it ensures 100% shariah compliance so that women can reap benefits with complete peace of mind.


With such perks and the prospect of high returns from investments, women are better off investing with the help of xstate, compared to generating cash through the committee system, which will never result in any profit.