Four programmes, one thread: durable economic independence for rural Karnataka.

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Organising savings-led self-help groups, youth collectives and farmer groups that build the habit of saving before they ever borrow.

Linking groups to formal bank credit through JLG and SHG models, with a 99.9% repayment rate across 30 districts.

Training rainfed farmers in climate-resilient practices, and connecting farmer groups to markets, inputs and institutional credit.

Running free health camps and awareness drives in partnership with medical teams and banking partners such as PNB.

How a village becomes self-reliant

STEP 1

Neighbours form savings-led self-help groups, often starting with as little as a few rupees a week.

STEP 2

Groups receive financial literacy, bookkeeping and leadership training from JMSSS field staff.

STEP 3

Proven groups are linked to formal bank credit through SHG and JLG lending models.

STEP 4

Real-time MIS software and chartered-accountant oversight keep every group accountable.

Jeevan Mithra Social Service Society

Building rural livelihoods across Karnataka since 2001, through self-help groups, microfinance, agriculture and health outreach.

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Bengaluru, Karnataka, India
jmsssorg@gmail.com
12 regional offices statewide