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What We Do?

Provision of small ticket size thrift, credit and other financial products and services to the low income households in rural, semi-urban and urban areas

Why ?

Enabling clients to raise their income levels and improve their living standards

How ?

By providing risk capital for entrepreneurship and livelihood sustainability

The Process

1

Identification of potential Area/Villages

Conducting villages survey

2
3

Projection Meeting

Identification of potential clients and Group formation

4
5

3 days Compulsory Group Training (CGT)

Appraisal -Group Recognition Test (GRT)

6
7

Loan Sanction in Branch Loan Committee

Loan disbursement in branch office on a fixed date to the groups

8
9

Monthly Loan Recovery in Center Meetings

dMatrix product
Portfolio in next five years:

The livelihoods of poor are dependent on access to critical financial products. Poor in Vidarbha are majorly dependent on agriculture and allied activities for their livelihoods. Agricultural incomes are prone to weather and market variations and there are considerable income fluctuations because of these variations.

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