The members of our Fraternity come from all walks of life. They are from large scale business as well as small and medium enterprises. These are people who have stable business but want to expand without seeking help from the formal banking or small & medium scale businessmen who want to merge saving & money lending together.

There are members who work in govt. and public sectors and are in need of money to fulfill their small needs or young employees of private sector who want to quickly acquire small luxuries.

Most attracted are those who manage to mobilize resources to develop their enterprises and their dwellings slowly over time. Financial services could enable these groups to leverage their initiative, accelerating the process of building incomes, assets and economic security.

However, conventional finance institutions seldom lend down-market to serve the needs of low/middle-income families. They are very often denied access to credit for any purpose, making the discussion of the level of interest rate and other terms of finance irrelevant. Therefore the fundamental problem is not so much of unaffordable terms of loan as the lack of access to credit itself.