board member area

How does SKS Work?

Village Survey

Projection Meetings


Group Formation

Sangam Formation

Loan Disbursement

Loan Utilization


With respect to requiring a group of five versus a group with fewer or more members, experience has demonstrated the following:

As groups are formed within a village, a collective or Sangam evolves which consists of a maximum of eight groups or 40 members. Sangam meetings are held on a weekly basis during which SKS staff collect and record group savings, loan distributions, and loan repayments. In addition, weekly sangam meetings serve as a forum for discussion of loan proposals, loan utilization, and community issues. Each Sangam elects a leader and deputy leader who are responsible for facilitating meetings and ensuring proper compliance with SKS procedures.


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