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Who Gets Credit
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
Profile of SHG Members
Characteristic Description

Income Annual family income – Up to Rs.1,00,000/- in rural areas, Up to Rs.1,60,000 in urban areas
Education Illiterate or semi-literate
Age Age group 18 to 55 Average 30 to 40 years)
Occupation Rural Sector – Farming, Animal Husbandry, Dairy, Farming, Share Croppers, and Agri related labour works.
Urban Sector – Petty Businesses, House Hold Works.
Communities Members of Minority community (mostly Muslims) 18-20%; SC’s around 10-15%

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
  • Assist organizing the poor into micro Self Help Groups (mSHGs)
  • Build the capacity of
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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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