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Jagoron is the name of a credit instrument of PKSF to initiate household based enterprise development in Bangladesh. Previously it was known as Rural Microcredit. PKSF extended its microfinance services for the rural poor through Jagoron (Rural Microcredit) programme from October, 1990. Under this programme, the rural microcredit borrowers are encouraged to undertake family-based income generating activities. PKSF consistently addresses the rural poor. Since its inception, PKSF has been insistently supporting local Microfinance Institutions (MFIs) who work as Partner Organizations (POs) of PKSF. Funds are made available with least conventional formalities in the rural areas through these Partner Organizations. In 1999, PKSF felt initiated to extend its microfinance services for the urban poor through Urban Microcredit (UMC) programme, which is now a part of Jagoron. Woman participation in Jagoron (UMC) is higher in comparison to its rural counterpart and since they have higher participation in the labour market, larger access to material resources, greater mobility and meaningful role in the household decision-making process. Jagoron (UMC) borrowers are distinct from the rural borrowers in a number of ways. They are the landless squatters and they usually take loan for small trading. Vulnerable to threats of eviction, they live in slums or makeshift shacks. The number of urban poor is continuously increasing as a result of forced migration, limited employment opportunities in the rural agriculture sector and recurrent occurrence of several natural disasters.



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