Our Approach

Philosophy

In India, most of the low-income peoples have no access to avail loans from banks and other financial entities. Their situation forces them to borrow credit from private moneylenders at a higher rate of interest. Thus, they are not able to come out from the poverty layer. At MSM, we are aiming to reduce the social and economic imbalance by providing opportunities to grow. We are also concerned with overall improvement of the member’s quality of life and living standards. We understand that there is no free lunch. Charity on its own is not sustainable without other sources of income. We believe in dedicated hard work that persists over a long term will lead to success. We are committed to high level of ethical standards and transparency in our microfinance operations.

Lending Model

MSM assists financially backward communities especially women from rural and urban areas, by providing micro credit loans for their income generating activities and guiding them with potential business opportunities. MSM is visioning a poverty-free India by providing timely and collateral-free loans to the low-income people.

We offer collateral free loans since our target audiences are low-income profile people under Joint Liability Group (JLG) lending model. In this lending model credit has been issued based on the group liability where every group member mutually gives guaranty on each other.