Microcredit options

11 per cent of India’s adults lack access to a bank account.

Globally, individuals in poverty face a disproportionate exclusion from the formal financial system, compelling them to rely on informal methods for managing daily expenses, savings, and borrowing. This informal approach is often precarious, unreliable, and costly.

Our tailored and varied array of products enables families to avail themselves of financial services, manage and accumulate assets, invest in small enterprises, access employment opportunities, and navigate emergencies. In tandem, we promote financial literacy and have implemented various client protection measures, underscoring our dedication to client-centric service delivery.

POSITIVE IMPACT

8 MILLION

Client

87%

of clients served are women

USD 4.5 billion

amount of loan disbursed in India in 2023

OUR OFFERINGS INCLUDE

Tailored products crafted to suit the diverse needs of our clients

Loans for small enterprises

Financial support for small enterprises overlooked by mainstream banks.

Women's loans offered

Unsecured micro-loans exclusively provided to women through women's groups.

Financial support for migrant households

Supporting foreign employment opportunities and economic stability for migrant households

Loans for agricultural needs

Specialized loans for agricultural workers aiming to invest in farming and boost crop yields.

Personal savings

Savings are pivotal in assisting families in planning for the future, making investments, managing expenses, and dealing with unforeseen challenges.

Loans for employed individuals

Financial assistance tailored for employed individuals with low to moderate income, often overlooked by mainstream financial institutions.

Secure savings

Tailored financial services for residents of Indian slums.

SMART CERTIFICATION

We are the first organisation in Bangladesh, and the largest in the world, to be recognised with Smart Certification for upholding universal standards for client protection in microfinance, as determined by the Smart Campaign.

THE COST OF A PANDEMIC

COVID-19 is much more than a public health crisis in Bangladesh. With the economy coming to a standstill, people employed in the informal sector – nearly 80% of the total workforce – are being hit the hardest. SHE microfinance is on the ground providing emergency financial services to the most vulnerable families. Read their stories here.

CONTACT

For any queries related to SHE’s Ultra-Poor Graduation work in India, please contact: email address

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