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

BRAC is a global development organization dedicated to alleviating poverty by empowering the poor to bring about change in their own lives. BRAC’s holistic approach aims to achieve large-scale positive changes through economic and social programs.  BRAC began operating in Pakistan in April 2007, and registered with the Securities and Exchange Commission of Pakistan as a company limited in February 2008. Currently, it is operating in all the provinces of Pakistan

As of June 2012, it has 96,567 active borrowers and gross loan portfolio of PKR 923.4 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.

FINCA Microfinance Bank Limited is part of the FINCA Impact Finance Network, a group of 21 microfinance and financial institutions that provides socially responsible financial services and enables low-income entrepreneurs and small business owners to invest in the future.

FINCA is also one of the fastest growing microfinance networks in Pakistan with 105 branches in 94 cities across Pakistan. Since its inception 8 years ago in Pakistan, FINCA Microfinance Bank has given over 41.5 billion rupees through 518,000+ small loans to microenterprises, helping them grow their businesses, and creating thousands of new jobs. FINCA is considered to be the pioneer of cash flow based unsecured lending in Pakistan and has the distinction of the highest average loan ticket size in unsecured lending in the Pakistan microfinance sector. It also provides attractive deposit options and state-of-the-art payment solutions with an unparalleled customer experience

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

KhushhaliBank Limited was founded in the year 2000 and was a part of the Government’s Poverty Reduction Strategy and its Microfinance Sector Development Program (MSDP). The mandate remains to retail microfinance services and to act as a catalyst in stabilizing the country's microfinance sector. It aims to establish a sustainable platform of financial services to the poor accompanied with retail delivery mechanisms.

As of June 2012, it has 4,35,353 active borrowers, gross loan portfolio of PKR 518.8 million, 3,39,296 active savers with value of savings at PKR 2.1 billion

Waseela Microfinance Bank Limited (WMBL) is the 10th licensed microfinance bank in Pakistan by State Bank of Pakistan under ‘Microfinance Institution Ordinance 2001′ and is 6th bank having nationwide operating mandate. WMBL started its operations on May 2, 2012.

This new Microfinance Bank has been established at a critical junction in the evolution of the microfinance industry in Pakistan. For the last 3 decades, microfinance has largely been dominated by relatively weak and unsustainable institutions focusing on the traditional micro credit, but with the evolution in branchless banking and impact of technology in the banking sector, a lot more focus is now headed towards the gaining the strategic advantage of covering outreach through mobile banking products.

Established in 1991, NRSP is the largest Rural Support Program in the country in terms of outreach, staff and development activities. It is a not for profit organization registered under Section 42 of Companies Ordinance 1984. NRSP's mandate is to alleviate poverty by harnessing people's potential and undertake development activities in Pakistan. It has a presence in all the four provinces.

As of June 2012, it has 3,33,511 active borrowers, gross loan portfolio of PKR 4.2 billion, 2.009 million active savers with value of savings at PKR 1.3 billion

The Punjab Rural Support Program (PRSP) was incorporated, in November 1997, as                                         a company under section 42 of the Companies Ordinance, 1984. It is currently operating in 28 districts of the Punjab and through other interventions in partnership with government and donors. It aims to alleviate poverty and enhance income, empowerment of women and general improvement in the quality of life of the poor in the rural areas of Punjab

As of June 2012, it has 73,944 active borrowers, gross loan portfolio of PKR 896.9 million, 1,71,796 active savers with value of savings at 99.2 million

RCDS is an NGO founded in 1995 and registered under the Societies Registration Act 1860 in 1998. The organization is working in Nankana Sahib, Sheikhupura, Kasur and Fasialbabad districts and also in Southern Punjab districts of Multan, Layyah and Bakkhar. It is a community development entity that implements different programs at grassroots level aimed at attaining sustainable development.

As of June 2012, it has 24,104 active borrowers and gross loan portfolio of PKR 336.2 million

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.

TMFB is a private commercial Microfinance bank licensed by the State Bank of Pakistan under the Microfinance Ordnance 2001. It is one of the first nation-wide, private-sector, non-NGO transformed, commercially sustainable micro-finance institutions in Pakistan. It was established in 2005 and aims to provide dedicated services to the economically active poor and to be demand driven, client centered and responsive to the special needs of customers

As of June 2012, it has 1,44,850 active borrowers, gross loan portfolio of PKR 6.24 billion, 7,40,396 active savers with value of savings at PKR 5.4 billion

Thardeep Rural Development Program (TRDP) is a non-profit organization, registered under the Societies Registration Act XXI of 1860, working in the rural areas of Tharparkar, Mirpurkhas, Dadu and Khairpur districts of Sindh, Pakistan. Its origins can be traced in Tharparkar Rural Development Program (TRDP) initiated for emergency relief work during 1987, after drought hit Thar, for the most affected families. The program is aimed at facilitating the rural communities in a way that they can be empowered to secure their rights with command over resources and capabilities to manage the process of sustainable development.

As of June 2012, it has 55404 active borrowers, gross loan portfolio of 547423177, 392972 active savers with value of savings at 224921205 [all figures are in PKR]

The First Micro Finance Bank was set up by Aga Khan Rural Support Program and the Aga Khan Fund for Economic Development in March 2002.  After its establishment, it has grown into a very viable micro finance institutes in the country. It considers microloans as a means to spur development as these loans are quite small relative to normal western financial arrangements, but provide access to capital that was never possible due to economic, cultural, or historical reasons.

As of June 2012, it has 1,61,341 active borrowers, gross loan portfolio of PKR 3.4 billion, 2,42,814 active savers with value of savings at PKR 6.3 billion

U Microfinance Bank Limited (Formerly known as Rozgar Microfinance bank Ltd.) was incorporated as public ltd. Company On 29th of October 2003 under Company Ordinance 1984. 

It was the 4th microfinance bank, licensed by State Bank of Pakistan under Microfinance Institutions Ordinance 2001. Initially, Rozgar, MicrofinanceBank Limited was a district wide microfinance Bank (MFB) operating in Karachi district.

In August, 2012,Pakistan Telecommunication Company Limited (PTCL) has acquired 100% shareholding of Rozgar Microfinance Bank Limited, after fulfilling required regulatory requirements and change in name from Rozgar Microfinance bank Ltd. To U Microfinance bank Ltd, it was awarded 14thlicenseto operate at national level.


Advans microfinance bank started its operations in Pakistan in November 2012 from a single branch in Karachi. It focuses on meeting the demand for microcredit and other simple financial services. It also intends to introduce SME lending in future

Association for Gender Awareness & Human Empowerment (AGAHE) is an independent, non political and not for profit organization established in 2001 by a group of highly professional and dynamic sociologists and social workers with a vision that societies need sustainable development for which there is a need to create enabling environment for every segment of society, to make them part of development and decision making process in a way with which future of coming generations is not compromised with timely decisions.
Dominant feature of AGAHE is its belief and use of participatory approaches through which the most vulnerable community is empowered by building their capacity to think, plan, implement and monitor projects on their own.
Awareness raising has been the strength of AGAHE which proved to be an effective tool to bring positive change in behaviours which ultimately leads towards sustainable development.

Our Mission

To optimize the intangible resources of individuals, organizations and institutions to achieve maximum efficiency.

Our Vision

To create an enabling environment for vulnerable segments of society where they can utilize their full potential for improvement in their lives and have equal opportunities to safe guard their rights.

AL-Mehran Rural Development Organization (AMRDO) is a nongovernmental, nonpolitical, non partisan, non profitable social services providing organization. AMRDO was established in the year 1998 and registered under the Society Registration Act of 1860, European Union has recognized AMRDO for project partnership and the process for tax exempted PCP Registration is underway. AMRDO is working for the socio economic empowerment of poor rural and underserved communities through participatory development initiatives in Sindh and Baluchistan. The philosophy behind the establishment of AMRDO was to bring respite among the lives of those vulnerable communities who are quite far from the normal standard of life. The Vision and Mission of AMRDO adheres to the commitment of championing the both human and ethical values through striving for the very cause of oppressed communities in the context of the basic social rights. In its continuous struggle the AMRDO has envisioned to explore maximum possible and dynamic areas of socio-economic development by establishing the health and education facilities with every best of its efforts

AMFB is a private commercial microfinance bank licensed by State Bank of Pakistan under the Microfinance ordinance 2001 to operate in Karachi district in 2005. AMFB specializes in providing financial services to the marginal poor including empowerment of women in rural areas of Pakistan. In order to create harmonization with the vision to build a microfinance bank dedicated to serve agricultural and allied community, its new sponsors changed its name to Apna Microfinance Bank Limited from Network Microfinance bank limited. As of June 2012, it has 696 active borrowers, gross loan portfolio of PKR 28.7 million, 16,838 active savers with value of savings at PKR 130.7 million. 

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

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


GBTI was established in 1995 for the rehabilitation of people affected by the Ghazi Barotha Hydro-power Project (GBHP).  It is registered under the Companies Ordinance, 1984. It aims for rehabilitation and development of villages and communities which were directly or indirectly affected by the Ghazi Barotha Hydropower Project (GBHP) targeting the affected villages in Attock (Punjab) Swabi and Haripur (Khyber Pakhtunkhwa).

As of June 2012, it has 5,012 active borrowers, gross loan portfolio of 43.9 million, 48,170 active savers with value of savings at PKR 7.7 million

NRSP Microfinance Bank Limited commenced operations in March 2011. The bank has been incorporated under the Companies Ordinance, 1984 as a public company limited by shares and licensed to operate as a nationwide microfinance bank under the Microfinance Ordinance 2001. It has planned to gradually transform the micro credit operations of the country’s largest provider of microfinance services (National Rural Support Program) into a regulated microfinance bank.

As of June 2012, it has 1,10,849 active borrowers, gross loan portfolio of PKR 2.2 billion, 48,333 active savers with value of savings at PKR 950.8 million

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

ORIX Leasing Pakistan Limited (“OLP”) was established in July 1986 as a joint venture between ORIX Corporation, Japan and local investors. OLP commenced commercial operations in January 1987 and is listed on all three stock exchanges in Pakistan. It is headquartered in Karachi and has 27 branches situated in 25 cities. OLP offers cost effective value-added financial products and customized services to a wide array of customers throughout the country

As of June 2012, it has 16,231 active borrowers and gross loan portfolio of PKR 199.7 million

Pak Oman Microfinance Bank was inaugurated on May 21, 2006 in Pakistan on a nationwide basis. It has been jointly sponsored by the Sultanate of Oman and the Pak Oman Investment Company. The bank is offering a range of microcredit and micro-savings products and services and aspires to become an engine of job creation to the under-privileged segments of Pakistani society.

As of June 2012, it has 12,052 active borrowers, gross loan portfolio of PKR 149.6 million, 17,575 active savers with value of savings at PKR 25.6 million [all figures are in PKR]


Sarhad Rural Support Program (SRSP) was established in 1989 and is registered under Company's Law, working in Khyber Pakhtunkhwa and parts of FATA. At the heart of the SRSP approach is the belief that marginalized communities and disadvantaged people have within them the capacity for self-help.  In recent years because of its vast outreach in the communities, SRSP has had to play a prominent role in disasters that have hit Khyber Pakhtunkhwa and as a result humanitarian work along with development has become a core competency of the organization.

As of June 2012, it has 3,121 active borrowers, gross loan portfolio of PKR 22.9 million, 3,494 active savers with value of savings at PKR 2.05 million

Sindh Microfinance Bank (SMFB) is a wholly owned subsidiary of Sindh Bank. SMFB got the NOC from State Bank of Pakistan (SBP) and was incorporated with Securities & Exchange Commission of Pakistan (SECP) on March 27, 2015 under Section 32 of the Companies Ordinance 1984 (XL VII of 1984). The bank has an initial paid-up capital of Rs. 750 million. The Sindh Microfinance Bank Ltd has started its Microfinance business operations on May 3, 2016 from its Karachi Branch.

Established in 2003, the Sindh Rural Support Organization (SRSO) is the major Rural Support Program in northern Sindh. It is a non-profit organization registered under Section 42 of the Companies Ordinance 1984. SRSO is present in 9 districts of Sindh which include some of the remote and impoverished areas.  The mandate of SRSO is to alleviate poverty by harnessing the people’s potential and to undertake development activities in Sindh.

As of June 2012, it has 63,340 active borrowers, gross loan portfolio of 985.01 million, 40,304 active savers with value of savings at 6.04 million

The Sungi Development Foundation was established in 1989 and registered in May 1990 under the Societies Act, 1860 as a non-profit, non-government, public-interest organization (PIO).  Its mission is to bring about policy and institutional changes by mobilizing deprived and marginalized communities to create an environment in which they can transform their lives through the equitable and sustainable use of resources

As of June 2012, it has 8,666 active borrowers, gross loan portfolio of PKR 64.5 million, 84,782 active savers with value of savings at PKR 19.5 million

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.


In 2004, BADBAAN ENTERPRISE DEVELOPMENT FORUM (BEDF) was established with a strong objective to reduce the unemployment and poverty by Empowerment through Entrepreneurship Development Program. With the regular technical inputs of Board of advisors, Badbaan is growing day by day in enterprise development field/livelihood initiatives and also enhancing their capacity in social mobilization & community networking , awareness & support programs regarding human rights, peace, health and sanitation, informal (technical & non technical education), youth development and  other community development  initiatives.

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


Organization for Participatory Development (OPD) was established in 1991 and registered under Societies Act 1860. It envisages development of a cohesive society and aims to raise the quality of life for the impoverished sections of the society. OPD primarily focused Gujranwala district especially urban slums of Gujranwala City and adjacent rural localities. Of late, it has started interventions in other districts like Sheikhupura and Khushab.

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

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.