Women in the rural areas don't have access to mainstream banking system so they have to rely on their relatives or neighbors for small loans for family emergencies or for agricultural purpose. These loans have heavy interest rate and sometimes the payback takes years. WIN helps start community based micro lending unit owned and managed by women in the villages. These cooperatives help to save money as well as provide easy access to money on a basic interest rate whenever needed. Any profit from interest adds up to the capital funds.