With the help of Nationalized Banks and IVDP funds, self-help groups are able to purchase toilets through an innovative payment scheme. So far, they have been able to collectively purchase 48,055 toilets for their homes. Women are empowered by way of savings within the group with a nominal interest that the groups determine. This is called a “Sangha Loan”. After all the members use the Sangha Loan as needed, excess funds in savings can be given as a special loan to needy members of the group based on certain criteria.
The group members can get loans from IVDP as well and have easy access to bank loans. The groups are divided into clusters to facilitate various trainings and bank loans. Understanding the fact that all SHG members are either from low income groups or below the poverty line, IVDP gives them top priority in facilitating various types of loans. IVDP also provides training to its groups to make the SHGs aware of the rules and regulations and to run the group effectively.
Based on the performance in credit link activities, and water, sanitation and hygiene activities, the IVDP self-help groups are given high or low scores which influence their future credit ratings for other microfinance loans. In addition to providing financing and support for purchasing toilets, IVDP also focuses on menstrual hygiene and drinking water by distributing sanitary napkins and water filters at a subsidized rate.