VOSD stared Micro-credit program from 1988 and has been continuing with greater shapes. It creates employment and income earning opportunities for the poor organized group member through micro-credit program. So, it has been providing skill training on different trades and credit management and provides micro-credit supports for undertaking small IGAs. In those purposes, it uses group savings, donor funds and revolving loan funds. Before applying for loan each participant has to participate at least two training courses or workshops of the organization, at least 6 months in the groups, has saving at least tk.300/-, has active participation in group meetings, attend group meetings regularly, has skills etc. The participant applies on the prescribed loan application form of the organization, with the recommendations of two group members to the related staff through the Chairperson of the group. The group first approves the loan application in the group meeting considering the above-mentioned criteria and submits to the related staff. The staff with recommendations submits to the Credit Coordinator. The Credit Coordinator analyses and studies feasibility of the loan application and approves with the consultation of the Executive Director or Director Program. After approval through following the loan giving procedures, loans are given to the selected participant with an agreement, where the group becomes the guarantor and becomes responsible for collecting loan installments and deposit to the related staff. Loans are collected weekly installment basis with 12.5% declining service charge. So far it has been provided Tk. 4145,60,000/- to activities, who have been running their IGAs profitably and effectively and earning an extra-income for the families and also self-employed. The loan realization is quite satisfactory. The rate is about 98.40%. At present the credit program has become very important, because for sustainability of the organization, group members and the program. It needs permanent incomes and supports for the group members and help to improve their family economy. Details are given below :
Beneficiaries Information
| S.L. | Type of Group Members | Male | Female | Total |
| 01. | Number of group members | 321,672 | 679,945 | 1,065,631 |
| 02. | Number of Children | 585715 | 683062 | 1,268,777 |
| 03. | Number of Mothers | 00 | 2567,987 | 2567,987 |
| 04. | Adolescent | 71,248 | 107,687 | 178,935 |
| Total | 978,635 | 4,038,681 | 5,081,330 | |