The livelihood loan schemes at Aapni Samiti are characterized by relatively small loans, a few thousand rupees at most. The repayment period is relatively short, about a year or so. Women are a major beneficiary of their activities, and the destination of the funds primarily includes agriculture, distribution, trading, small craft and processing industries. The administrative structure is generally light and the entire process is participatory in nature. The impact of credit lending is as widespread as in the rural areas and urban areas. Aapni extends livelihood loans between 10000- 50000 for various purposes, like Manufacturing, Servicing, Small Business, Agriculture & Allied Activities, etc.

The lending practices are characterized by an unusually high degree of fairness, flexibility and service. Program loans are provided for any reasonable purpose. The interest rates charged to borrowers are below or at market levels, and repayment terms are arranged to accommodate the needs of the borrowing organization.

The terms and conditions of the loan agreement entered into with borrowers are significantly less restrictive and obtrusive than most commercial loan contracts. The agreement is nevertheless a detailed and comprehensive one that is fully protective of the legal rights and financial solvency of Aapni Samiti. Reporting requirements are quite strict in requiring borrowers to submit substantial information on a regular and timely basis.Aapni is thus able to closely monitor the financial performance and organizational development of its borrowers. Aapni provides technical assistance services to its borrowers in connection with the loan application process and subsequently as circumstances warrant. The education and experience of staff and Trustees allow it to provide a wide range of quality services, particularly in the areas of organizational development, financial management, and training in consensus process