"ADS" shall adopt a hybrid of the Best practices to suit local conditions. It lends to groups of 10- 20 women each and designates the group the ultimate guarantor of each of its members. If one member does not repay, no individual in the group is eligible to receive another loan. The keys to this approach include:
"ADS" uses improvised Poverty Progress Index (PPI) tool to identify the poor clients .The poverty status of prospective clients would be determined by the Branch Manager through physical verification of houses.
The prospective poor women client form a Center among 10-20members with the same poverty status, Group under goes at least 2 days of Continuous Group training (CGT) in the objectives, rules & regulation of "ADS", with each member passing an oral test in Group Recognition Test (GRT) at the end of CGT. At least 10 clients must pass the GRT before Center (JLG) can be established.
The Branch Manager/ Area Manager would be responsible to conduct the Group Recognition and focus on seating arrangement of the client is according to the name specified in the GRT format while physical verification Score on Housing Index, Asset verification, client signature and their photograph would be verified thoroughly and carefully.