Lending Methdology

Futureage India Micro Credit Services provides financial services under JLG group model. The loans are made to individual members, but the group agrees to follow the joint liability concept and guarantee the payments of all group members in accordance with the JLG methodology.

The JLG methodology works to everyone’s advantage. Through the use of the joint liability guarantee or the self help group system, our clients, who most often do not have any collateral, are able to access credit. The group methodology also provides built-in support for our clients, both in good times and bad. Delivering financial services through groups also brings multiple benefits to FIMCS: reduction of transaction costs, increase in outreach, and thereby an increase in income.


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