Traditionally the rural women had quick access to funds from the informal banking system to meet their financial emergencies that push them to a debt trap. Microfinance combined the flexibility and availability of funds from the village moneylender with the transparency of institutional credit. Doorstep availability of credit through SHG-JLGs has now become a breakthrough for women empowerment. 
Experience around the world indicates that woman borrowers are responsible and prudent investors as they have invested their loans on projects that gives good returns, enabling them to make timely repayments and use the profits for activities related to poverty alleviation..