Volunteers Action for Development began as an NGO in 1996, now a company limited by guaratnee. Challenges include insufficient capital, cost of capital, legal framework, competition from formal financial intermediaries and donor driven NGOs, literacy levels of the beneficiaries, as well as existing poor savings and credit culture. The mission includes soliciting, accessing, and building up resources necessary to facilitate, develop and empower rural poor to effectively participate in community development intiatives. Information hosted on: www.mixmarket.org