Our products and services are targeted at rural households previously excluded from formal financial service provision, predominantly due to poverty or location.   Through our “finance on your doorstep” philosophy, which allows staff to visit clients near their homes, rural communities are provided with these previously inaccessible products and services.  These communities, organised into groups called Village Banks, act to mutually guarantee the individual loans of all members as many households either lack or cannot risk suitable assets as collateral for their loans.  Our products are designed to match a variety of rural livelihoods, special financial needs and cash flow patterns of target clients.