To encourage entrepreneurship and raise awareness of the concept of self-employment, SFSD established an independent Micro-Credit Department dedicated to financing and developing the capacity of micro-credit programs run by NGOs. The program offers both individual and group loans, to help the disadvantaged start their micro - enterprises or expand existing small businesses. Loans are usually accompanied by technical assistance and training in business management and accounting. Beneficiaries learn how to manage their loans, carry out a project feasibility study and are given a basic understanding of relevant legislation and marketing procedures.