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Financial Empowerment & Community Livelihood Initiatives

Building Self-Reliance Through Trust, Discipline & Community Support (1994–Present)

From its earliest years, the Foundation for Social Care (FSC) recognized that financial vulnerability often underpins educational dropouts, untreated illness, delayed marriages, and livelihood instability. In response, FSC developed structured, dignity-based financial support initiatives that empower individuals without compromising their self-respect. These are not charity distributions — they are systems of responsibility and sustainable empowerment.

Interest-free financial help (Qarz-e-Hasan Scheme (QHS))

A Legacy of Interest-Free Dignity Lending (1994–2008)

Launched on 30 December 1994 with a corpus of ₹40 lakhs, the Qarz-e-Hasan Scheme provided interest-free, repayable financial assistance to individuals and families facing urgent needs. At a time when ethical credit options were scarce, FSC introduced a model rooted in trust, accountability, and financial empathy.

Purpose & Philosophy:

  • Offer interest-free financial assistance
  • Prevent exploitation through high-interest borrowing
  • Support essential needs such as healthcare, education, housing, marriage, and micro-enterprises
  • Encourage self-reliance through responsible repayment
  • Strengthen community trust through transparent processes

Qarz-e-Hasan was not a handout — it was structured support built on dignity.

Growth & Impact (1994–2005 Snapshot)

  • 1994–1999: 25–104 beneficiaries annually; cumulative disbursement ranging ₹1.42–3.34 lakhs
  • 2000–2005: 140+ loans annually; cumulative turnover ₹67.5 lakhs
  • Recovery and follow-ups maintained throughout
  • Over 650 beneficiaries supported, creating a revolving cycle of trust-based financial assistance

Closure with Continuity

The scheme gradually concluded as formal financial systems evolved, but its values continue through:

  • Educational fee support
  • Medical relief assistance
  • Social welfare interventions
  • Emergency aid for vulnerable families

“Financial empowerment is not about lending money — it is about restoring confidence, trust, and opportunity.”

Women Empowerment Group

Community-led financial resilience

Self-Help Group (SHG) & Micro-Finance Capacity-Building Programme

Strengthening Community Institutions for Sustainable Livelihoods

Expanding from individual support to community-led empowerment, FSC organized SHG and micro-finance capacity-building workshops, starting 19–21 June 2008 in Lucknow. The programme brought together 25 grassroots organizations to strengthen structured micro-finance systems and sustainable group-based economic models.

Programme Focus Areas:

  • Formation and management of Self-Help Groups
  • Financial literacy and record keeping
  • Micro-credit systems and operational frameworks
  • Community-level accountability mechanisms
  • Exposure to successful SHG models

Strategic Impact:

  • Strengthened grassroots financial literacy
  • Encouraged community-based savings and lending
  • Promoted women-led collective empowerment
  • Built institutional capacity among local NGOs

A Unified Financial Empowerment Philosophy

From interest-free individual loans to structured SHG training, FSC’s financial initiatives reflect a consistent commitment to:

Dignity over dependency
Structure over sentiment
Responsibility over short-term relief
Self-reliance as a pathway to Rashtra-Nirman

These projects laid the economic foundation upon which FSC later expanded into healthcare institutions, educational systems, and community development programmes.

Success!

Action successful.