It provides a Service
by reaching clients that would otherwise have difficulty in accessing credit

It fosters Innovation
by developing flexible and sustainable credit delivery and documenting systems that the poor clients can access easily and quickly.

It has faith in the poor
by proving that the “poor are bankable”; that they have-‘credit discipline’; that they have potential to improve incomes and ‘productivity’ and can make a ‘profit’

It seeks to influence systems and policy change
by transferring new credit delivery practices to the formal banking system more particularly to the Regional Rural Banks and Cooperatives; and by advocating policy changes where absolutely necessary and expedient.