2005 was the year of strengthening resource banking for Keystone and the communities it has been working with. It has been an important transition towards self-reliance of input resources for the farmers.

Adivasis are highly individualistic and with this knowledge, Keystone set out to work on the creation of farmers’ groups.

Initially, it was very hard for many individuals to accept the concept of farmer groups or that the revolving fund could be their only pipeline for future input requirements. Regular interactions, nominating local representatives to collect weekly subscription and loan repayments were also used as a thrust mechanism to make people aware of the grant phase coming to an end and starting preparations to become self-reliant. It is a challenging operation against conventional Micro-credit schemes by the Government where the quantum of subsidy and loan is high.