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).
- Permanent residents of area.
- No family members employed higher level in the formal sector.
- No current loans from other financial service providers.
- A per capita yearly income less than US$400.