Pakistan’s agricultural sector has gone from being deemed the “great bread basket” to being known for lacking efficiency and global competitiveness. Wheat yield is 20% lower and non-basmati rice yield is 40% lower than global standards. Pakistan’s PHL ranges from 40-80% compared to the global benchmark, and agricultural credit disbursement to Pakistani farmers declined from $3.4 billion in 2007/08 to $3.1 billion in 2010-11. Pakistan’s agricultural credit is 8% of agri-GDP, while neighboring India’s is 31%. Former CEO of Engro Corporation Asad Umar recommended farmer cooperatives as a way for farmers to buy inputs, sell produce, and obtain credit for member farmers, as well as access lending and crop insurance from commercial banks.