Loan product
Karobar Qarza
Karobar Qarza is GDO's business loan for people who want to start or expand a small enterprise — a shop, workshop, food cart, livestock or home business — and earn a stable income for their family.
Who it is for
- First-time entrepreneurs with a clear plan
- Existing micro-businesses ready to grow
- Women-led home and village businesses
- Farmers and families with livestock-based income
What it can fund
- Setting up or stocking a shop
- Buying tools, equipment or a work cart
- Buying livestock or inputs for dairy and farm income
- Adding a new product line or trade
Why GDO
Why borrow Karobar Qarza from GDO
Business advice alongside finance
Through our entrepreneurship programme and capacity-building work we help small businesses stay sustainable.
Women welcome
Around 80% of our borrowers are women, and our saving groups give new entrepreneurs a community to learn with.
A record of repayment
GDO reports a 99.6% recovery rate — borrowers and partners can see the model works.
How to apply
Four simple steps
These are the typical steps — your loan officer confirms the exact process and documents for you.
- 1
Contact us
Message us on WhatsApp, call, send the call-back form or visit our office in Karor Lal Esan or Multan.
- 2
Talk to a loan officer
A GDO loan officer listens to your business and needs and suggests the product that fits.
- 3
Assessment & documents
We assess your business and tell you exactly which documents are needed.
- 4
Decision & loan
If approved, you receive the amount, repayment schedule and total cost in writing before you accept — then repay in instalments.
Frequently asked questions
Karobar Qarza — questions answered
Who can take a Karobar Qarza?
Women and men who want to start or expand a small business in GDO's service area can apply. Your loan officer will confirm eligibility and what documents are needed after a short conversation about your business.
Can women apply for a business loan?
Yes. Around 80% of GDO's borrowers are women, and many join through our women's saving groups.
Is GDO a licensed lender?
Yes. GDO holds an SECP licence (No. NBMFC-1066) to operate as a non-bank microfinance company. See our Transparency page for details.
