CONTENTS

= Message from the Chairman

= Foreword

= Objectives and Functions

= Organizational Structure

= Management


· General Body

· Governing Body

· Officers and Staff

· Management Staff

Report of the Governing Body (FY 2003-2004)

Auditors’ Report

Balance Sheet (as on 30 June 2004)

Statement of Income and Expenditure

Statement of Cash Flows

Statement of Changes in Eqity

Financial Highlights

Notes to the Financial Statements

Some PKSF Policy Guidelines and Standards for Microcredit Management

List of Partner Organizations