ICDS has operated credit program for its eligible members to reduce the poverty level of the poor and for the income generating purpose. Our present fund is well & good and sufficient enough to mitigate the felt need of the program participants; it has driven its all out effort to provide support to its group members. In the meantime the organization has gained enough experiences on the present micro credit model of the country. To date of 30 June, 2024, it has disbursed 3.35 core taka as credit to its group members since inception. The recovery rate is 98%. All the necessary documents, forms and formats are maintained for keeping the appropriate track of the savings credit program. Group members deposit 20 taka per person per week. This is a compulsory and mandatory savings for all the members. But, the group members have freedom to return certain amount of their savings at any time for their urgent business. Group member’s savings, as on 30 June 2024 is 1766,059 taka only. The borrowers are doing repayment through 46 equal weekly installments with 12.7% service charges. The loan outstanding of the date 30 June, 2024 is 8563,549 taka The organization will go ahead with the credit model in a sustainable way. The salary and other operations cost of the concerned field workers are managed by the service charge of the credit program.