SATHI has formed about 95 SHGs of 1576 members in Sirmour and Solan District of HP. Core objective of SHG formation is women empowerment and make them self reliant. These groups carry out savings, microcredit function, and loan operation and explore income generation possibilities. Members of SHGs are collecting thrift in every month at amounting of Rs.10/-to Rs.50/-. This thrift has utilized for income generation activities of needy members. The disbursement of loan and recovery of amount has decided and done by their group leaders. This programme has been undertaken by SATHI on its own resources in June 1996. This programme is still running on its own feet by SATHI. Organization implements its various projects through consultation and participation of local SHGs.