The Organization for Participatory Development (OPD) was first registered in 1991, under the Societies Act 1860 as a non-governmental civil society organization. The OPD started its microcredit program in 1993 in consultation and partnership with the Orangi Pilot Project (OPP, Karachi). It replicated its strategy of alleviating poverty in Gujranwala city by providing affordable loans to low-income individuals who did not have access to high quality financial institutions. The program aimed at building assets, reducing commercial risk, and sustaining commercial and financial viability of small enterprises. The partnership with the OPP and successful replication of its microcredit strategy led OPD to establish a range of partnerships with national and international donors and NGOS, including UNDP, UNICEF, the Canadian International Development Agency (CIDA), The Asia Foundation (TAF), LEVIs and the Pakistan Poverty Alleviation Fund (PPAF). However, it is the partnership with the PPAF, which has contributed greatly in building the OPD as a socially responsible institution. With its head office in Gujranwala city, currently the OPD operates in three out of five tehsils in the district, namely Gujranwala City, Kamoke and Wazirabad.

In the last 25 years, the OPD has implemented numerous projects focusing on education, health, micro-credit, enterprise development, women’s empowerment as well as research and advocacy. However, in recent years, the OPD has focused exclusively on the sustainability of its micro-credit program in collaboration with the PPAF, aiming to establish itself as a Non-Banking Financial Company (NBFC).

The core values that the OPD realises in its programs and processes are transparency, accountability and sustainability.


To contribute in the development of an inclusive, equal and sustainable society.


To promote and deliver sustainable development by alleviating poverty and reducing gender gaps.


1- Providing access to quality and affordable financial services to improve household income and living standards of low-income entrepreneurs and businesses.

2- Delivering sustainable development to low-income communities with particular focus on gender equality, quality education and preventive health services, nutrition, sustainable agriculture and affordable and inclusive microcredit & socially responsible and sustainable microenterprise development.

3- Developing and implementing the Triple-Bottom Line sustainability framework to managing organizational processes and its impacts.

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