In Pakistan, it has a long history of being the preferential method of saving to amass gold. Smaller sums may be amassed over time by purchasing gold since it is difficult to lose or destroy, is lightweight and tiny in comparison to its worth, and is readily divided into smaller pieces that can be sold off as required. Women frequently wear gold as ornamental jewelry, and it is passed down through the generations. Jewelry stores and pawnbrokers conduct brisk business purchasing or pawning gold due to its ease of liquidation, but frequently at the risk of substantial loss. So much so that for some segments of society savings in gold greatly outpaces savings via financial products.

In response to client feedback, RCDP added a gold loan product that competes with alternatives offered by the informal sector. In order to offer a better service, RCDP has worked to create systems that are more efficient, affordable, and dependable. Gold lending is completely secure, as opposed to microcredit lending without collateral. This product is more concerned with customer convenience than it is with lowering the danger of default.