: kds developed and tested a sustainable credit model in west bengal. the model is largely based on asa, bangladesh approach organizing the people of focused into groups, under the territory of particular branch of kds. there are generally 10-20 members in a group, based in village. with an average number of 20 in each group. each shg members meets once in a week, at ba fixed day, place and time. all the members are required to attend the weekly general meeting and repay their installments. they are required to deposit their security and repay their loan installment. the shg members take all decision regarding the number of the loance and amount of loan to be given to any borrower in that shg meeting. kds provides collateral free loans to its members. group liability is absent from kds’s credit programme. it is not the group but the individual who is held responsible for delinquency. the mocro-credit services of kds assist the grouip members to become economically self-suffient. loan proposal are screened and approved by the shg during their weekly meeting participation and group responsibility are the essential elements of the loan process.

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