Unconventional Banking for the poorest, particularly women and youth from ethnic minorities in the rural areas. Through US$45,000 cash pledged from donors, as well as our own fund, we have reversed the conventional banking practice by removing the need for collateral and created a banking system based on mutual trust and accountability. The fund provided loans to multiple groups of participating families. We strongly believe that credit is a cost-effective weapon to fight poverty and eventually sustain economic development conditions for the poor who have been kept outside the banking system because they are poor and not bankable.

Our Micro Loan Programs not only help them to self-support but also give them experience in handling money, repaying loans and saving for future needs. The loans are very small ranging from US$250 to US$1000. These amounts are sufficient to finance the micro-rural enterprises undertaken by borrowers such as buying seeds, planting fruit trees, raising pigs, cows, goats, poultry, farming fish and shrimp, rice-husking and machine repairing