The agriculture program addresses the problems of poor crop productivity, lack of resources and lack of modern cultivation techniques. The prime objective of this program is to strengthen the economic base of the low-income farmers, through their increased access to easy and cost-effective financial services, capacity building initiatives and upstream/downstream markets. These loans are disbursed through Farmers Development Groups (FDGs), consists 10-12 members having land holding 5-6 acres. The borrowers under this program make repayment of their loans through cheques. Members of group meet on monthly basis to identify training needs and exposures.