| Sl.no. | Approach | GOVT | NGO |
| 1. | Overall approach | Mostly Minimalist (only credit) And few holistic. | Mostly Minilastic |
| 2. | Main objective | Empowerment target group | Increase in income and self employment |
| 3. | Major activities | -Cooperative / Informal group formation - Staff & beneficiaries training -Savings accumulation. -IGA based credit. | -Informal group formation -Training for staff & Target group. -Savings accumulation & Utilization (RLF)..
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| .4. | Target group criteria | -Asset less poor especially women owing land not more than 0.50 acre -Depend on manual labour -Permanent resident of the locality. | -Men &Women owing land not more than 0.50 acre. -Depend on manual labour . |
| 5. | Group size | 25_-30 | 25-60 |
| 6. | Operational strategy | -Few development operational guideline -Mostly GOB playing & monitoring system in force. -Banking/Credit with the support of Govt. commercial Banks. -Average documentation & reporting. | -Most have their own operational guideline. - Documentation &Monitoring is relatively strong. -Credit funds from donor or PKSF.
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Curse of micro- credit
- Conjugal relation between husband & wife may break down.
- Husband may torture his wife for more money.
- Micro-credit may increase early marriage and polygamy.
- May led to divorce.
- May increase poverty.
- May increase moral degradation.
- Degradation of social norms & values.
- Sometimes it increases social crimes & offences.
- The business of traditional debtor affected.
Through close observation ,we can conclude that micro -credit can ensure women
empowerment by the following process :-
Making women folk as income generating force.
With the help of economic power, women can influence in decision making.
Women will be able to sharing their views on important issues.
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