Initially limited to encouraging self-employment, our Microfinance Programme has progressively moved towards supporting small enterprise development. This broadening of focus stems from a growing recognition of the multiplier effects of enterprises through employment generation, as well as backward and forward linkages with many economic activities. Our approach to microfinance involves providing collateral free credit and savings services at the doorsteps of our target population – the landless poor, marginal farmers and vulnerable small entrepreneurs. We recognise the heterogeneity among the poor and focus on careful targeting and development of customised financial products and services that best meet their varying needs. A distinctive aspect of our microfinance programme is the credit-plus approach – in addition to providing loans and training we have developed an integrated set of services that work to strengthen the supply chains of the enterprises that our members invest in, giving them access to quality inputs and support in marketing their products. These services are provided by our social enterprises. Our microfinance members have access to all of our other development interventions.