Unnayan

What Unnayan does

UNNAYAN is a Bangladeshi non-governmental, non-profit development organization founded in 1983, headquartered at 189 West Bania Khamar Main Road, Khulna-9100. It delivers integrated development services to ultra-poor and marginalized communities in southwestern Bangladesh, spanning 8 districts (Khulna, Satkhira, Bagerhat, Jashore, and Narail) and 24+ upazillas through 35 branches and 592 employees. Its eight core working sectors are Agriculture & Environment, Microfinance, Health & Nutrition, Education, Social Services, Livelihood, Enterprise Development, and Training, operationalized through programs including ENRICH, PPEPP, BUNIAD, JAGORAN, AGROSOR, SUFOLON, IGA, LCHP, DISHARI, UQLEPP, VGD, and LIFT.

The organization's service delivery model is community-led, organized around samities (member groups of 15-30 beneficiaries), with last-mile distribution through branch offices, static clinics, satellite clinics, health camps, and 128 afternoon education centers. Microfinance operations cover 33,276 members with an outstanding portfolio of BDT 568,428,846 and savings mobilization of BDT 188,192,499, supported by a 95.97% one-time recovery rate. Health services reach 200-350 patients monthly per clinic, and education programs enroll 3,159 students with 98% attendance.

Revenue mechanics combine donor grants and credit funds (from PKSF, DFID, EU, Bangladesh Bank, and 15+ other donors) with interest income from microcredit, BDT 100 health card fees, and emerging enterprise activities. Day-to-day operations are led by Executive Director S.M. Mostafizur Rahman under a three-tier governance structure (General Body, Executive Committee, Advisory Committee). UNNAYAN has cumulatively served 233,742+ beneficiaries and works with 17+ development partners, with its principal institutional relationship being a PKSF partnership in place since June 1993.

Name

Unnayan

Legal name

UNNAYAN

Website

https://unnayan-bd.org

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

501–1,000 employees

Short description

UNNAYAN is a Bangladeshi non-profit founded in 1983 that delivers integrated microfinance, health, education, and livelihood services to 233,742+ ultra-poor beneficiaries across 8 districts and 30 branches in southwestern Bangladesh, principally funded by PKSF, DFID, and the EU.

Ownership category

akta.pro rank

Product category

Microfinance and Community Development Services

NAICS

Civic and Social Organizations (813410), Business, Professional, Labor, Political, and Similar Organizations (8139), Grantmaking and Giving Services (81321)

SIC

Personal Credit Institutions (6141), Services-Social Services (8300)

akta.pro primary industry

Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM)

akta.pro secondary industries

Agricultural & Rural Microfinance (FSAKAGAG), Rural Livelihoods & Economic Empowerment (BPAGABAA), Microenterprise Group Lending (Joint Liability) (FSAKAGAH), Infrastructure, Housing & Community Development (BPAGABAL)

Keywords

• Microfinance services
• Community development
• Poverty alleviation
• Integrated development programs
• Rural livelihood support

Headquarters

HQ city

Khulna

HQ country

Bangladesh

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Microfinance Services: UNNAYAN generates revenue through microfinance operations including microcredit disbursement, savings mobilization, and loan recovery. The organization follows an Integrated Development Approach (IDA) with microfinance as the center point of development, offering products like JAGORON, AGROSOR, BUNIAD, SUFOLON, and IGA programs.

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Unnayan is a non-profit NGO that provides integrated development services to ultra-poor and marginalized communities in southwestern Bangladesh. Its core offering combines microfinance (credit, savings, and loan products through 30 branches serving 33,276 members) with complementary programs in health and nutrition, education, agriculture, livelihood, social services, enterprise development, and training. The organization operates an Integrated Development Approach (IDA) using microfinance as the central entry point for holistic poverty alleviation.

Product overview

Unnayan is a non-profit socio-economic organization operating since 1983, offering a portfolio of integrated development programs rather than a unified software product. Its core offerings span 8 working sectors: Agriculture & Environment, Microfinance, Health & Nutrition, Education, Social Services, Livelihood, Enterprise Development, and Training. The organization delivers services through multiple programs including ENRICH (a holistic poverty elimination approach), PPEPP (for extremely poor households), microfinance operations across 30 branches, and specialized projects like LIFT (innovation), VGD, BUNIAD, JAGORAN, SUFOLON, IGA, LCHP, DISHARI, and UQLEPP. These programs collectively serve 233,742+ beneficiaries through 35 branches in 8 districts, focusing on the ultra-poor, women, farmers, and marginalized communities in southwestern Bangladesh.

Differentiator

Problem solved

Functional benefit

Brands

• ENRICH (Samriddhi): Enhancing Resources and Increasing Capacities of Poor Households towards Elimination of their Poverty - a holistic human-centered development approach
• PPEPP
• UQLEPP
• LIFT

Products and services

• Microfinance Program Credit and savings services for poor beneficiaries including ultra-poor, small farmers, fishermen, and entrepreneurs, operating through 30 branches with 33,276 members and a BDT 568,428,846 outstanding portfolio.
• Health & Nutrition Services Primary healthcare services through static clinics, satellite clinics, health camps, and eye camps, with 48 health visitors, 4 health officers, and 3 doctors serving beneficiaries via health cards (BDT 100 annual deposit).
• Education Program Afternoon education centers for dropout prevention, scholarship programs for meritorious students, and non-formal education for vulnerable children through 128 centers serving 3,159 students.
• Agriculture & Environment Program Agricultural credit, aquaculture development, tree plantation, seed distribution, and cattle/poultry rearing for poor farmers and women in southwestern Bangladesh.
• Livelihood Program Income generation activities including poultry farming, cow/goat rearing, small enterprises, tailoring, and technical/financial support for vulnerable families.
• ENRICH (Enhancing Resources and Increasing Capacities of Poor Households towards Elimination of their Poverty) A holistic, human-centered total development approach addressing poverty through integrated interventions in health, education, sanitation, livelihood, and community development for poor households.
• PPEPP (Pathways to Prosperity for Extremely Poor People) A comprehensive integrated project addressing multidimensional poverty through livelihoods, nutrition, health, community mobilization, market development, and policy advocacy for extremely poor households.
• BUNIAD (Ultra Poor Program) Flexible microcredit program targeting the ultra-poor including beggars, daily laborers, bonded laborers, and female-headed households.
• JAGORAN (Household Based-Enterprise Development) PKSF credit program for household-based enterprise development encouraging family-based income generating activities.
• SUFOLON (Seasonal Loan) Seasonal credit program supporting farmers in producing crops, agro-forestry, fish cultivation, and cattle fattening.
• AGROSOR Program fostering micro-entrepreneurship for self-employment of the rural poor through financial services.
• IGA (Income Generating Activities) Income generating activities program providing credit and support for micro-enterprise development.
• VGD (Vulnerable Group Development) Development program for ultra-poor women providing IGA training, entrepreneurship development, and life skills training for climate resilience.
• LCHP (Low Cost Housing Project) Soft loans for low-cost housing construction for homeless and flood-affected poor families, with loans payable over 4 years.
• LIFT (Learning and Innovation Fund to Test New Ideas) Innovation fund supporting projects including reverse osmosis water plants, cow rearing, Kuchia cultivation, pituitary gland collection, turkey farming, and snail-fish integrated cultivation.
• UQLEPP (Uplifting of the Quality of the Lives of Elderly People Programme) Life cycle approach program providing social safety, financial benefits, and primary health care services for elderly people (age 60+).
• DISHARI Project Education support project for disadvantaged children through afternoon education centers under ENRICH, reducing school dropout rates.
• Training Program Capacity building training for staff, women, and vulnerable children on development issues, skills, and income generation.
• Enterprise Development Program Income-earning enterprises to make the organization self-sustained while providing goods/services at competitive prices to beneficiaries.
• Social Services Community services including tube well installation, sanitary latrines, relief distribution, beggar rehabilitation, scholarships, and ENRICH center establishment.

Quantifiable outcome

• 95.97% one-time loan recovery rate
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered minor.

• CARE BangladeshminorStrategic or Co-development PartnerInternational NGO partnership for microfinance and development programs including CARE Income and UNNAYAN Partnership Project (2001-2005) and CELAS/ELAP emergency loan assistance programs.
• World VisionminorStrategic or Co-development PartnerInternational NGO partner for development programs. Listed as a working partner organization in UNNAYAN's network.
• RTI InternationalminorStrategic or Co-development PartnerInternational research organization listed as a working partner for development initiatives.
• Concern WorldwideminorStrategic or Co-development PartnerInternational humanitarian organization listed as a working partner for development programs.
• Campaign for Popular Education (CAMPE)minorStrategic or Co-development PartnerNational coalition working for education rights, partnered with UNNAYAN for RACE (Reaching All Children in Education) project.
• NGO ForumminorStrategic or Co-development PartnerNational NGO network partner for community development and sanitation programs.
• SAP-BangladeshminorStrategic or Co-development PartnerNGO partner for Democratic Local Governance Program (DLGP) and advocacy initiatives.
• Bangladesh Water Development BoardminorStrategic or Co-development PartnerGovernment body listed as a working partner for water and environmental programs.

Scale indicators12 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• BRAC: BRAC is the world's largest NGO and operates an integrated development model spanning microfinance, health, education, and livelihoods across Bangladesh — directly overlapping UNNAYAN's integrated development approach and beneficiary base, but at vastly greater scale.
• Grameen Bank: Grameen Bank pioneered group-based microcredit in Bangladesh and remains a dominant microfinance institution serving rural poor women — the same primary beneficiary segment UNNAYAN targets through its samity group structure and microfinance programs.

Direct peers

• TMSS: TMSS is a large PKSF Partner Organization in northern Bangladesh providing microcredit, health, and education services to poor rural women — a direct comparable to UNNAYAN as a PKSF-funded integrated microfinance NGO operating a similar multi-sector model.
• ASA (Association for Social Advancement): ASA is one of the largest microfinance NGOs in Bangladesh, providing group-based microcredit to poor rural households through a branch-based model — highly comparable to UNNAYAN's 30-branch microfinance operation with samity groups serving 33,276 members.
• CARE Bangladesh: CARE Bangladesh is a major international NGO partner (already listed as UNNAYAN's partner) running integrated poverty alleviation, microfinance, and women's empowerment programs — directly comparable in mission, donor base, and integrated approach.
• World Vision Bangladesh: World Vision Bangladesh is a major international NGO running microfinance, health, education, and child sponsorship programs across Bangladesh — comparable to UNNAYAN in sectoral coverage, donor-driven funding model, and beneficiary base.
• Society for Social Service (SSS): SSS is a PKSF Partner Organization providing microfinance and integrated development services across Bangladesh — directly comparable to UNNAYAN in operating model, funding structure (PKSF wholesale credit), and target beneficiary base.
• Proshika: Proshika is a long-standing Bangladeshi development NGO offering integrated microfinance, education, health, and livelihood training to poor communities — closely paralleling UNNAYAN's Integrated Development Approach across multiple sectors in Bangladesh.
• Caritas Bangladesh: Caritas Bangladesh is an international-affiliated NGO providing microfinance, health, education, and disaster response programs in Bangladesh — comparable to UNNAYAN's integrated development NGO model with similar donor-driven funding streams and coastal Bangladesh presence.

Regional players

• HEED Bangladesh: HEED Bangladesh is a PKSF Partner Organization operating microfinance and integrated development programs in southern Bangladesh — comparable to UNNAYAN in operating model and geographic focus on the southern Bangladesh region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/unnayan1983
• Facebookfacebook.com/unnayankhulna
• Instagraminstagram.com/unnayan1983
• LinkedInlinkedin.com/company/unnayan

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

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Frequently asked questions about Unnayan