Participants in Alfalit programs also qualify to become members of micro-credit programs, which operate like a credit union.  Normally, members will contribute amounts ranging between fifty cents to two dollars per week into savings accounts.

The members in the micro-credit programs are usually those who are too poor to get a traditional bank loans. With these types of credit programs, any member is able to receive advances from the group to start their own business. For the management of the micro-credit program, each  group  usually selects a board of directors that ensures a strong financial accountability.

Ten percent of the  group’s profit from interest charged on loans and membership fees is donated to a  local church or an organization.

This efficient and effective program improves their livelihood therefore enabling them to support their families.