The process starts with the choice of a village where a potential group could be created. With a door to door activity, the women are invited to a first meeting in which an IIMC bank manager introduces the programme and explains how it works. Then, the interested women will go for a second meeting, where they provide their personal information in order to apply for the micro-credit group. Once the group is formed, IIMC keeps under control the members for a period of three months and provides a training to teach them how to start a business, how to manage and save money and how to behave in the group. Meanwhile, the women are required to save a certain amount of money each week, to get used to the concept of saving. If the process follows smoothly, the group is created and the women can start their activities.
In order to start the activity, each woman will get a first loan of 3000 Rs. and, if the woman is reliable and her business grows, she can apply for further loans up to a maximum of 15000 Rs. Once a woman gets a loan, she has one year time (44 weeks) to pay it back, with the interest of 10%. The new group will choose among its members the President, the Secretary and the Cashier, that will facilitate the coordination of the group and the relation with the IIMC bank. A strong point of the IIMC microcredit system is the attitude towards its partecipants: if women are in trouble with the restitution of the loan, the bank will grant them more time and support to go beyond the difficulty. If the problems persist, the only consequence will be the impossibility to get a new loan.
The women participating at the programme can also deposit savings on their IIMC account and draw from there in case of necessity. When a woman, afraid that her husband could use the money for selfish and immoral purposes, asked to Barnali to keep some of her money, IIMC realised that women, in order to have an effective control over their resources, needed a safe place where keeping savings.