Increased control is likely to contribute to women's empowerment, facilitate women's entrepreneurship, assist them in their household roles and ease their repayment burden. Literacy campaigns, primary education of girls and the dissemination of sensitization information about financial sector institutions and available targeted schemes, encouragement and support to group-based savings and credit functions and organizations which promote women's associations. Its membership has since expanded and now also covers three other states. Members are engaged in a variety of trades. WWF field workers encourage women to form groups of 20 to 30 members usually along occupational and neighbourhood lines.
Groups begin with small short-term loans.
Less formal procedures are applied than at commercial banks, such as accepting photographs in place of signatures for identification. Each group leader assumes liability for the members' loans and supervises loan applications and repayment, while the group exerts peer pressure to ensure repayment.