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. 3,00,000/-
Education Illiterate or semi-literate
Age Age group 18 to 59 years
Occupation Rural Sector - Farming, animal husbandry, dairy, farming, share croppers, and agri-related labor works.
Urban Sector - Petty businesses and house hold works.
Communities Members of Minority community (mostly Muslims) 18-20%; SC's around 20-25%

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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