The experience of successful CIFs demonstrate that savings-based and Self Help Groups (SHG) based CIFs are some of the most successful models for achieving better social outcomes on sustainable basis. Externally funded CIFs have lower odds of success as they have to swim against the stream of natural incentives of group members.
It is prudent for external funders to provide support services to CIF instead of injecting loan capital. (ii)  Targeted support programs. Most pertinent in this context would be the Community and Rural Support programs which catalyze employment opportunities.