Women MSME owners operating their business in the informal sector face various barriers while pursuing economic opportunities. These barriers can be attributed to the evident gender gap in labour trends, a nation-wide digital divide, societal expectations arising from traditional gender roles, and the inability to complete primary and secondary education which results in professional incompetence. Accessing finance for said economic pursuits becomes a challenge due to the limited ownership of property posing a lack of collateral, discriminatory lending practices, and their lack of preparedness to avail formal credit.

The Srijan Program aims to bridge this gap in financing in order to facilitate a wave of credit-worthy, independent businesswomen. For this very purpose, we have harnessed the power of a groundbreaking financial instrument called a Returnable Grant.