Formal financial institutions (FFIs) in a developing economy often fail to meet the loan requirements of the poor. It is frequently stated that the poor are non bankable. Given this, several models and structures have emerged for making them bankable.

While it is laudable that the Indian government has made the effort to initiate a holistic reproductive health programme, its failure to address issues of sexuality that arise in this context is puzzling.

In recent years there has been a growing concern in many countries, including India, that public health and family planning programs have placed insufficient emphasis on the quality of their services (Ickis 1992; Khan et al. 1994; Mensch 1993; Miller et al. 1991).