Drawing upon the data from the recent period, this paper explores the relationship between women’s involvement in microfinance programs and improvement in their empowerment status.

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.

Counselling as commonly practised in Gujarat's Family Counselling Centres puts family at the centre of the counsellor's concerns. 'Family has to be saved' was the motto and so all efforts were directed towards that. In a dispute (i.e.