The Urban and Rural Poverty Alleviation programme was established in 2013, to provide affordable micro-credit for income enhancement. GDO's clients are economically marginal women and men who have no means of entering the formal credit. Many are indebted to moneylenders who charge exorbitant rates of interest. The number of borrowers who have taken successive loans (i.e. repaid a loan and taken another loan) from GDO is increasing over time.