“Micro Finance is the provision of financial services, primarily savings and credit, to poor households that do not have access to formal financial institutions.”
- McGuire & Conroy

It is well known that in the development paradigm, micro finance has become an integral part as a need based policy and program to cater to the so far neglected target groups (women, poor, rural deprival etc.) Micro Finance is a participative model that can address the needs of the poor especially women members. It envisages the empowerment of the members by promoting their saving habits and extending loans to them. When women become economically self-reliant and contribute directly to the wellbeing of their families, they play a more active role in the decision making and are able to confront systematic gender inequalities.

This philosophy has been defined centuries back in the Indian scriptures, of which ‘Arth’ is also one defined in four purusharths to be strived for-as ascribed in scriptures. It alludes to the material wellbeing of a human being towards achieving a symbiotic evolution and superior quality of wellbeing.

Micro Finance services as an umbrella term that describes the provision of banking services by poverty focused financial institutions to poor parts of the population that are not being served by mainstream financial services providers.

Arth Micro Finance is a micro finance institution under the banner of Kuldhara Group working in districts of Rajasthan, Madhya Pradesh, Punjab and Haryana. Arth Micro Finance is an outcome of the efforts of society of Indian Institute for Rural Development (SIIRD), a NGO, with an experience of morethan livelihood creation, which promulgated the existence / incorporation of Arth Micro Finance.

Arth being into the segment of Micro Finance for decade now has been focusing on income generation and enterprise development Arth recognizes that the working poor can act in an entrepreneurial manner and are in principle creditworthy, for these micro borrowers, micro credit is often the only alternative to paying excessive interest rate charged by the unofficial money lenders. They use financial services not only for business investment in their micro enterprises but also to invest, to certain extent, in health and education on to manage households emergencies, and to meet the wide variety of other cash needs that they encounter. Access to financial services enables poor people to increase their household incomes, build assets and reduce their vurnerability to the crisis that so much a part of their lives.