SWOT analysis based on collected data and information given by bank managers: STRENGTHS 1. 2. 3. 4. 5. 6. 7. 8. 9. Experienced senior management Team.

Robust IT system. Clear and well defined HR policy. Infusion of own equity - commitment from promoters. Process innovation. Clarity and good understanding of vision. Transparency at all levels. Plans for value added and livelihood support services (LDS). Shared ownership.

WEAKNESSES 1. Limited resources. 2. Micro managing. 3. Start up organisation; therefore, yet to institutionalise the standard processes. 4. Attracting/Holding on to the staff till the time we become established players. 5. Refine the processes for growth. OPPORTUNITIES 1. Huge Potential Market. 2. Scope of introducing livelihood related services. 3. Financial crunch is helping organisation to be cost conscious and effective. 4. IT systems. THREATS 1. 2. 3. 4. Financial crisis. Increasing competition. Increasing competition. Poor banking infrastructure. 5. Political instability.

Issues in micro finance at present in India: 1.Sustainability 2.Lack of capital 3. Lack of availability 4.HR issues 5.Financial service delivery to the farmers 6.Lack of transparency 7.Consumer education 8.Changes in policies