Jagoron, a credit program of PKSF, seeks to initiate household-based enterprise development in rural and urban areas of Bangladesh. Since October 1990, PKSF has been providing financial services for the rural poor under Jagoron program (earlier known as Rural Microcredit). Though in the beginning, PKSF’s services were confined to the rural areas, PKSF in 1999 expanded its services to the urban poor as well.