The company adopts the women’s “Self Help Group” (SHG) model for lending transactions.

Self Help Groups are

:: Small, economically homogeneous and affinity groups of rural / urban poor

:: Group of people who voluntarily come forward to bond together in saving and contributing to a common fund for social and economic up-liftment of their families & community

:: Groups who lend their savings fund to the SHG members on set Terms & Conditions, to be decided by the members of the SHGs

:: Where the SHGs operate on principles of mutual trust and co-operation

:: When savings, giving loans, making repayments etc., take place at specified intervals

:: Where all members, of the SHG, are present & collectively take decisions