SAPSRI’s highly successful SMED programme, which provides people with credit to start up small businesses or expand agricultural production, entered its 15th year in 2009. The loans are both in the form of a revolving loan provided to the entire village and individual loans granted for enterprise development. The most distinctive feature of the credit policy is that it is based on trust and not on legal procedures and systems. In 2008/09 we provided Rs.28,287,000 to over 10,000 people across 8 districts. We recovered a total of Rs. 25,350,603.15.