SMFBS recruits new clients who fit the following criteria for its group based financial services:
- Own less than 0.5 hectares of land per five-person family.
- House must have mud or unmanaged concrete house (pucca house).
- Need to be Nepali Citizenship and married male or female.
- Permanent residents of area.
- No family members employed higher level in the formal sector.
- Current loan balance from different MFI within NRB ceiling.
- A per capita yearly income less than US $400.