Sindh Agricultural and Forestry Workers Coordinating Organization (Safwco)
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Credit and Enterprise Development

CEO Message |GM Massage |Our Partners |Products and Services |Audit Report 2009
Since the turn of the century, Safwco’s many economic development initiatives have been consolidated into a Credit and Enterprise Development Sector and comprises of the following three sub programs:

Microcredit (MC) Program
Capacity Building and Enterprise Development (CB and ED) Program
Saving Mobilization (SM) Program

All three components are managed together and specifically targets women as beneficiaries. The sector continues to improve the socio economic conditions of the poor communities in the areas of three districts including District Sanghar, Matiari, Nawabshah, Hyderabad and has started Social Safety Net Project in District Thatta targeting the ultra poor.

Rural women in Sindh lack mobility, voice and are not supposed to be seen. Although they carry out numerous tasks including tending to livestock, horticulture, embroidery and other micro level income generation activities besides the daily routine of reproductive activities. Their contributions are never accounted for as household income, even in cases where their contribution to the household income is more than the men's. Secondly, livestock both goat rearing and dairy farming support the income and food needs of the household but they are looked down upon as insignificant ventures.

Credit and Enterprise Development Sector was supported by “IDRF Canada” for “Low Cost Housings Project” in 1994, “TVO” for “Goat Rearing Program” in 1996, “The Asia Foundation” for “Socio Economic Development of Rural Women” in 1998, “CRS” for “Women Empowerment” in 2002 and in January 2001, “Pakistan Poverty Alleviation Fund (PPAF)” offered Safwco a small credit line for micro credit. Safwco saw this as an opportunity to scale up and applied for the higher credit line. Since then PPAF (2001-till date) is supporting the sector for uplifting of the Socio Economic condition of rural people.
In late 2001, Safwco established a micro credit cell on professional line. The staff members were provided specialized and on job training and institutional restructuring made the sector independent in terms of staffing, office management, resources and operations. Six social organizers of Safwco with good relations in the community and understanding of credit operations decided to work in the newly formed Credit and Enterprise Development Sector. They were reinforced with a professional management and an information management system.

Did You Know
In-depth Outreach Strategy
Micro Finance in Pakistan
Pakistan Economy & Microfinance
Social Performance Management
The Sindh Situation
Governance & Financials
Audit Committee
External Auditors
Financial Management
Governing Body
Human Resource unit
Internal Control
Monitoring & Research unit
Capacity Building through global friends
Micro Finance Funding Program
Micro Finance Retail Program
Social Safety Net Project
Who We Are
Award Winning Entrepreneurs
Institutional Strengthening
Management Structure
Our Goal
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