Ajivika Finance is committed to further financial inclusion in India by serving vital micro-credits at the doorstep of the bottom of population pyramid. The company specializes in identifying credit-worthy borrowers and organising them in groups to carry out it’s lending operations through the Joint Liability Group (JLG) model. The company operates on a highly profitable branch network model of operation, serving the company the advantage of setting up operations in any area in the most cost-effective and timely manner thus leveraging on the high scalability of the business. Ajivika Finance has successfully accomplished market entry, product familiarization and recognition by major industry players and target clients in India. The brand Ajivika resonates with integrity and quality as Ajivika Finance is the preferred Microfinance institution for over 15,000 borrowers. Ajivika Finance Limited is committed to create value for society by giving it’s employees and it’s clients an opportunity to fulfil dreams and lead meaningful lives by serving inclusive finance to low-income households, in a way that is commensurate with it’s core principles. By focussing on it’s long term value creation plan, Ajivika Finance wants to establish itself as leading Microfinance Institution in India and set benchmarks within the industry. The management highlights “the need to work with discipline and diligence to have a positive impact in the eco-system, thereby achieving the national goal of financial inclusion and the creation of value for all stakeholders”.