Asset loans are delivered using individual lending methodology. Asset loans finance purchase of house furniture, construction, and maintenance of houses. These are salary based loans primarily targeting government civil servants that support community level development activities. The intention then is that the professionals are getting favorable environment serve the poor at grass roots level adequately. That is, by availing the necessary small loan needed for construction and maintenance of residential houses as well as household furniture, this product aims at enabling professionals to cope-up with living and working in rural areas, easing housing problems.