Microfinance Practitioners
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ASA International has established a non-depository Microfinance Institution namely ‘ASA Pakistan Limited’ and it is 100% subsidiary of ASA International. ASA Pakistan Ltd. is public limited unlisted company registered with SECP under Companies Ordinance, 1984. ASA Pakistan is engaged in the process of empowering the poor, who have no access to the traditional banking system for developing their business, the landless, the skilled laborers and marginal farmers for the improvement of their socio-economic condition. For economic emancipation “ASA Pakistan Ltd.” is relentlessly working towards the goal of empowering the poor by utilizing their loans for more income

Community Support Concern, a non-governmental organization was formed in 1989 and is registered with the Government of Pakistan under Societies Registration Act 1860. It has been working for the social and economic uplift of the communities, specifically rural and semi urban by adopting participatory approaches right from planning to implementation, involving communities at every level.

As of June 2012, it has 13,882 active borrowers and gross loan portfolio of 208.5 million

The roots of Damen Support Programme lie in a non-profit organization set up in 1992 by the name of Development Action for Mobilization and Emancipation (DAMEN) under Societies Registration Act, XXI of 1860. DAMEN started its operations with aim of working for alternative development at grass-root level in Pakistan. It was an alliance of social scientists, philanthropists and professionals from various fields having significant experience of working with NGOs within and outside Pakistan.

DAMEN with its social sector programs initiated the micro credit program in 1996 on a small scale to develop the economic activities in the communities and with their own participation exclusively focusing women.

In 2015 Damen with the intention of having better focus on a core activity of financial inclusion, to create synergies with its social sector programs, bring in more donors & investors and to have greater access to funds from commercial banks, spinned-off its microfinance sector into a separate legal entity by the name of Damen Support Programme (DSP). DSP has been registered with Securities and Exchange Commission of Pakistan (SECP) under section 42 of Companies Ordinance 1984 as a not-for-profit entity.

Farmer's Friend Organization is a development non-governmental organization that was established in May 2003. The primary purpose and the basic cross-cutting theme of the organization is "community development" through an integrated approach. It envisages well organized and progressive communities making effective use of the potential and resources for attaining sustainable social, economic and political development


Jinnah Welfare Society is a non-profit social development organization serving urban and rural areas of the district Gujranwala. JWS was established in 1990 with the mandate to eradicate poverty from deprived communities. The organization is registered with the Directorate of Social Welfare, Government of the Punjab, under Voluntary Social Welfare Agencies (Registration & Control Ordinance) XLVI-1961

As of June 2012, it has 20,178 active borrowers and gross loan portfolio of 305.1 million

Kashf Foundation began in 1996 as an action research program focusing, for the first two years, on determining and understanding key factors having an impact on the demand for microfinance services by poor women. Since its inception, it has evolved into a specialized microfinance institution with several achievements to its credits. Its mission is to alleviate poverty by providing quality and cost effective microfinance services to low income households, especially women, in order to enhance their economic role and decision-making capacity.

As of June 2012, it has 2,86,443 active borrowers and gross loan portfolio of PKR 2.9 billion

Micro Options is a non-governmental organization established in June 2005 by enthusiastic group of young professionals and is mandated to provide social and economic development services to low income households in its target areas. It specializes in Community Development/ Social Mobilization, Microfinance, Water/Sanitation and Training and Capacity Building


Naziran Yousaf Memorial Trust (NAYMET) is a non-government, non-profit, non-political organization working for the social and economic uplift of deprived, neglected, oppressed communities in the urban & semi urban areas of Pakistan above the caste, creed, religion and other group boundaries. NAYMET was established in 2004 and registered in 2005 by a group of volunteers. NAYMET has initiated number of programs/projects aimed at the economic, social and political empowerment on sustainable basis of the disadvantaged sections of the society.

Under the umbrella of economic empowerment program, NAYMET initiated micro credit & enterprise development program in District Lahore. This program was leading to poverty alleviation and empowering marginalized, deprived, oppressed and neglected communities through Micro Finance.

OCT was established in 1987 and registered with the District Registrar of Karachi, Sindh. OCT is a concern of Orangi Pilot Project started by the renowned social scientist, Dr Akhtar Hameed Khan in 1980. OCTs objective is to make credit accessible to existing microenterprise units in Orangi and outside Orangi. Orangi Charitable Trust is the major provider of microcredit to the communities residing in Orangi, Karachi

As of June 2012, it has 40,462 active borrowers and gross loan portfolio of PKR 474.08 million

District Ghotki is located in the north of Sindh province, its boundaries sketched with Punjab Province in east, India south, District Kashmore and Jackobabad in north and District Sukkur in west. The District Ghotki is spread over an area of 6,083 square kilometers. The total population of the District is 1.30 million. 83.67% population lives in the rural area and 16.33% in the urban towns. The District is comprised of 05 Taluka/Tehsils and 40 Union Councils. The overall literacy rate of the District is 29.01%, male 44.21% and female 11.85%. 21.96% of the total area of the District is comprised of desert known as White (Achro) desert.

Major portion of the population is dependant upon agriculture, livestock and daily wage labor. The district is generally known as one of the most undeveloped districts of Sindh province. The district is facing different social and economical problems i.e. tribal system, poverty, karo kari issues, feudal system, low literacy among women, low agricultural produce, salinity, land degradation, human/women rights violation, women mobility, less learning opportunities, unemployment, etc.

The environment of the District is very conservative so there was a feeling for need of any civil society organization addressing above mentioned issues at the District. Looking these issues and conditions some dedicated educated and conscious villagers decided to establish an organization to address all these problems/issues by mobilizing local and national resources. They formed "village development organization" "VDO" on December 25th 1993. The organization is registered under Society Act XXI – 1860 Currently, VDO is working as a development organization and operating through out the district in particular and general in Sindh province

SAATH Development Society (SDS) is a non government, non-profit organization, established in February 12, 2004. The organization is registered under the Voluntary Social Welfare (Registration & Control) Ordinance 1961. SAATH visualizes ‘a socially equal and economically prosperous society where all the citizens enjoy their rights in peace and harmony’. SAATH commenced its microcredit program with OCT in 2006

Safco Support Foundation (SSF) has commenced operations in May, 2009. It has been planned to gradually transform the micro credit operations of the country’s largest provider of micro-finance services (Sindh Agricultural & Forestry Workers Coordinating Organization-SAFWCO) into a specialized micro-finance institution a public company limited by guarantee registered under section 42 of the Companies Ordinance 1984.

Shadab, a non-governmental, not for profit and voluntary development organization, came into existence in 2000 and registered under Social Welfare Agencies (registration and control) ordinance 1961 with registration No. {DSW (MPS)}VA/-64 in 2001. Since then she has been striving for sustainable development and betterment of marginalized rural communities of province of Sindh in general and of district Sanghar in particular.

The Shah Sachal Sami Foundation (SSSF) organization was founded by rare educated youth of the village aimed to improve the social life of poorer former. Prosperous to work in all social development sector of live for improving the nominal people live. The vision of foundation is to establishing a progressive, prosperous, peaceful and non-discriminated society where it would be impossible for anybody to exercise inequity. With the impartiality of to implement right based advocacy and awareness for addressing the issues of marginalized groups. Promoting the economy activities, social justices, gender rights and to protected the female and children from gender based violence.  Fabricate the linkages with marginalized, people, group and community. To boost up the capacities and skill of associate people, group and community for improving their socio-economic activities and to strengthen them for sustaining their life. A not for profit organization established on 1989 at a small village.

Soon Valley Development Program (SVDP) is a small but emerging non-governmental organization active in Soon Valley, Naushahra Tehsil of Khushab District. It was established in 1996 & was registered in 2001 as a non-government organization. SVDP started its activities in microcredit in Oct’1996, with encouragement, technical support & line of credit (Rs.300,000) from late Dr. Akhtar Hameed Khan of OPP/OCT.

Wasil Foundation, formerly known as CWCD, is a company registered under section 42 of Companies ordinance 1984. CWCD came into existence as a Non-Governmental Organization in 1992. Ever since its inception, CWCD is devoted towards the achievement of its objective – poverty alleviation through enterprise development. In 2009, Wasil Foundation extended its operations from Conventional Microfinance to Islamic Microfinance and eventually discontinued conventional microfinance in 2010, thus becoming a purely Islamic Microfinance organization.

As of June 2012, it has 7,433 active borrowers and  gross loan portfolio of PKR 112.05 million.