AGAHE

Introduction:
Association for Gender Awareness & Human Empowerment (AGAHE) started credit and enterprise development (CED) loan in April, 2010 for marginalized community of district Vehari to increase their income generation, enterprise development, poverty reduction, market linkages to sale production at the highest possible price and to engage especially women in income generation activities. Currently there is only one CED product that AGAHE is offering to its clients on basis of their capacity and needs. Financial and technical assistance is provided by Pakistan Poverty Alleviation Fund (PPAF) is most valuable. AGAHE facilitated the community in the process of income generation at the household level through community organization (COs) formation by extending social collateral of micro credit loans, encouraging savings and sustainable use of their existing resources. This loan is extended in the fields of commerce, petty trading, handicrafts/vocational, light engering, manufacturing, agriculture, live stock and others etc.

Program Objectives:

• To facilitate the poor communities to start income generation activities to reduce poverty through provision of micro credit in the target area.
• To provide loans to the low-income groups appropriate to their needs, on easy terms;
• To facilitate the poor and marginalized people to initiate their own productive employment;
• To increase the productivity of the poor involved in micro enterprises;
• To empower the poor women through involving them into income generation activities; and
• Organize people into small groups to organize the poor and subsequently enhancing the social cohesion.

Credit & Enterprise Development Loan (CED)

AGAHE Total Disbursed Clients: 1686
AGAHE Total Disbursed Amount: PKR 25,968,000
AGAHE Active Clients: 1407
Outstanding Loan Portfolio: PKR 13,166,417

Operational Methodology