Who we serve

The Samhita mission is to work with poor households only. The typical rural household served by Samhita lives in a mud hut, owns no land or livestock, and works as daily wage labor on the farms of landlords or construction projects. Samhita's microfinance program exclusively serves the woman of the household.

We apply the Samhita Poverty Assessment Score [SPAS] mechanism in determining whether a household is poor and thereby eligible for our services. Click here for a more in-depth discussion on global definitions of poverty.

The SPAS measure is determined separately in the case of rural and urban communities. For rural communities, household assets (house, land, livestock, other), levels and stability of income, family size, existing liabilities, and vulnerability to shocks are reviewed. Our rural poverty cut-off stands generally below the widely accepted US$ 1.25 (purchasing power parity) per-capita daily expenditure definition for very poor populations.

In the case of urban households, the threshold is higher. The urban poor living in proximity to markets have more opportunity for earning, as also possibilities for accumulating used consumer assets at low cost. For urban households, we require the per-capita household earning to be under roughly Rs. 2000 per month. We also review existing assets, levels and stability of income, family size and existing liabilities.

sDevNet.org webPortal v2.0 © 2011 eCubeH Research Labs + Acknowledgements