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♤ The An integrated approach is required for meeting overall credit needs of a poor family in terms of backward linkages with technology and forward linkages with processing and marketing organizations.
♤ Credit needs to be provided for diversified activities including income generating livelihood activities productions, housing consumption loan and against sudden calamities.
♤ The delivery system has to be proactive and should respond to the financial needs of the farmers.
♤ Training programmes relating to management of finances, maintaining accounts, production and marketing activities etc. should be given.
♤ Simplify the process of giving loans, i.e. reduce the number of questions to important non repetitive ones.
♤ Provide gender sensitization training to bank staff so that they are sensitized to the needs of rural clients especially women.
♤ Adequate insurance coverage should be provided to the business units promoted by SHG against the financial losses to safeguard the interest of the entrepreneurs.