| Who Gets Credit |
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IDF FSPL believes in equality of opportunities. There is no discrimination on the basis of caste, creed or religion. We believe in women empowerment and almost all the loans are disbursed to women.
Our clients would be assessed on following parameters for loan disbursement
- Socio-demographic characteristics
- Present activities undertaken by them and proposed activities
- Present income levels
- Present skill levels
- Group cohesiveness
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Profile of SHG Members |
| Characteristic |
Description |
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| Income |
Monthly family income – Rs.500 to Rs.5,000 – Geographically the income varies |
| Education |
Illiterate or semi literate |
| Age |
Age group 18 to 50 (Average 30 to 40 years) |
| Occupation |
Rural Sector – Farming, Animal Husbandry, Dairy, Farming, Share Croppers, Agri related labour works.
Urban – Petty Businesses, House Hold Works. |
| Communities |
Members of Minority community (mostly Muslims) 18-20%; SC’s around 10-15% |
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IDF is satisfying the following financial needs of its clients:
Consumption Needs
- Education
- Health
- Clearance of Past Debts
- Small Emergencies
- Marriage Expenses
- House Hold Assets like Gas Stoves
- Festival Expenses
- House Repairs – Electricity Connection
Productive Purpose
- Purchase of Animals
- Purchase of Agricultural Inputs
- Petty Business – Stock
- Land on Lease
- Public Small Transport Vehicles
- Service Sector – Sewing Machines, Embroidery, Beauty parlour, Motor winding, Catering Services, Agarbatti Rolling
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- Assist organizing the poor into Self Help Groups (SHGs)
- Build the capacity of
Self Help Groups...
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| Read more... |
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- Handling investment
portfolio for SHG savings.
- IDF SHG Federations will recommend disbursal
of emergency loans to
the extent of SHG
savings from IDF FSPL
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