Satin's Clients
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JLG Clients :
Success of any microfinance institution depends on client selection and relationship management. Satin’s rural microcredit program focuses only on poor women because it is a well known and proven fact that women are more creditworthy than men. Women have proved more reliable and trustworthy in terms of loan repayment and loan utilization and usually spend all surplus income for the benefit of their families.

JLG Client Description:
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Client must be a poor woman
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Client’s household must be engaged in income generating activity
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There should be at least 4 other women who are willing to take joint liability with her
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Loan is provided only for productive purposes and not for consumption
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Annual income of client’s household must not exceed Rs 50,000

What are the loans used for?
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Animal husbandry - buffalo, chicken, goats, cows
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Agriculture - fruit and vegetable cultivation
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General shops and stores
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Sewing and embroidery work
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Services including shoe repair, carpentry, and mechanical work
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Rickshaws
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Micro Enterprises and Income Generating Activities
Individual Liability Clients :
Satin’s urban clients are engaged in small and medium sized businesses, and loans are extended to both men and women, distinguishing the company from most other MFIs. The loans are primarily given to clients involved in productive, trading and service activities. The requirements for loans are two-fold: proof of income-generating activity and frequent cash flow.
Client : Himanshu Aggarwal
Branch : Loni
Division : Ghaziabad
After hearing about Satin from other borrowers, she took a loan of Rs 10,000 from Satin. She used the loan to purchase a cow to produce milk which would increase the income of her family so that they could improve their situation and meet their basic life needs. She started earning Rs 4,000 per month from her milk business and has already repaid 17 installments of her loan.
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