Victory Empowerment Centre (VEC) is a micro-finance Non Governmental Organization (NGO) with a prime objective of improving the living of the poor women through innovative and flexible micro-finance services. VEC methodology is based on international best practices in micro-finance delivery, and is essentially an adaptation of the Grooming People for Better Livelihood in Nigeria and ASA International Bangladesh methodology to local market conditions. VEC provides small, repayable business loans and services for women and supports other poverty-reduction strategies in places where VEM can make a difference. VEM’s commitment is to education, to mutual communication, and to furthering the Nigeria’s effort to alleviate poverty. Victory Empowerment Centre as an organization make use of group lending methodology as an essential ingredient to sustainable growth. Groups are formed on self selection basis and guided by basic social and economic indicators; whereas the group structure facilitates and provides easy access to members, the optimal utilization of the loan facility and repayment remain the primary responsibility of the individual members.