Licensed microfinance · Layyah & Bhakkar, Punjab
Small loans. Stronger families. Resilient villages.
GDO is an SECP-licensed non-bank microfinance company and community development organisation. Since 2011 we have paired fair micro-credit with schools, skills, sanitation and women's saving groups across Layyah and Bhakkar.
- SECP Licence NBMFC-1066
- Serving communities since 2011
- 80% women borrowers
99.6%
loan recovery — borrowers repay
I need a loan
Fori, Karobar and SME loans for small businesses in Layyah and Bhakkar.
Apply for a loanI want to donate
Back schools, skills, sanitation and livelihoods with a donor-assured, audited organisation.
Give todayI represent an organisation
Co-design programmes with a regulated partner that has worked in south Punjab since 2011.
Partner with usI want to volunteer
Give your time and skills — teaching, mentoring, fieldwork, design, finance.
Volunteer
Results that can be checked
Proof, not promises
- Loan recovery rate
- 99.6%
- Reported by GDO: borrowers repay.
- Borrowers who are women
- 80%
- Reported by GDO.
- Grassroots loan portfolio
- PKR 61.2M
- Reported by GDO.
- Years serving communities
- 15+
- Since the first projects in 2011.
Microfinance
Fair credit for people banks overlook
Fori Qarza
Quick-access working capital for small, urgent business needs.
Learn moreKarobar Qarza
Finance to start a small business or grow the one you have.
Learn more
SME Qarza
Larger working capital and growth finance for established small and medium enterprises.
Learn moreFind your loan in 60 seconds
What do you need the money for?
The GDO model
From a village meeting to a living wage
- 01
Organise
Families form community organisations and women's saving groups that meet, save and plan together.
- 02
Learn
Training in leadership, business and vocational skills turns an idea into a plan.
- 03
Finance
A fair, licensed micro-loan funds stock, tools or livestock — without moneylender interest.
- 04
Grow
Repeat loans, insurance and community support help the business — and the family — keep growing.
Beyond loans
Eight programmes, one purpose: lasting change
Social mobilisation
Community organisations and women's saving groups that give villages a collective voice.
Women's empowerment
Income, rights awareness and leadership for rural women.
Education
Village schools, teacher training and scholarships for children who would otherwise miss out.
Skills development
Vocational training in four trades so young people can earn a living.
Entrepreneurship & enterprise development
Micro-credit plus capacity building so small businesses survive and grow.
Health & sanitation
Sanitation schemes, hygiene awareness and free medical camps for villages.
Disaster risk management & shelter
Flood relief and one-room shelters that give families a safe place to rebuild.
Advocacy & linkages
Networks, seminars and partnerships that connect villages to government, donors and markets.
Trust & transparency
Regulated. Audited. Accountable.
SECP-licensed
Licence No. NBMFC-1066 for non-bank microfinance.
Section 42 company
Registered under the Companies Ordinance 1984 (now Companies Act 2017).
Audited every year
Annual internal audit, donor audits and an annual audit by a chartered accountant firm.
Two-signature controls
Double-entry books; payments by cheque with two signatories; bank reconciliations.
Working with
- Strengthening Participatory Organization
- Habib Bank Limited
- Allied Bank Limited
“When women save together, villages change.”
News & stories
From the field and the office
Explainer
What is an NBMFC? How to check GDO's licence
NBMFCs are regulated by SECP. Here is what that means for borrowers, and how GDO's licence NBMFC-1066 fits in.
Read more →Our model
Why women's saving groups are the heart of GDO's work
60 community organisations, 26 women saving groups and 10 village forums — how organised villages become resilient.
Read more →Get involved
Five ways to support GDO's work
Give, volunteer, partner, share your skills or simply spread the word — here is how.
Read more →
Frequently asked questions
Frequently asked questions
What loans does GDO offer?
How do I apply for a GDO loan?
Is GDO licensed and regulated?
How does GDO control its money?
How can I donate to GDO?
What is GDO?
Ready to start? Talk to a real person.
WhatsApp, call, email or request a call-back — whichever is easiest for you.