A two hundred members of office-cum field staff administer and implement the programme under he guidance of Dr. Prabhakar, Chief Executive Officer. While academic qualifications and experience are important criteria for selecting the staff, the paramount factor is the commitment and desire to help and interact with the poorest rural women. Staff are trained in the Grameen Banking micro-credit system with exposure to grass root level needs and ground realities. More than 50% staff are women.

SRI is also adding a new dimension by breeding a new generation of young work force blending the positive elements of the West and the East, such as professionalism, work ethics, customer service, result orient approach, accountability, transparency etc. with respect, dignity and humility to humanity. They strive hard in creating a congenial , conducive and harmonious environment where the poorest rural women can invest the loans for a meaningful income generating activity, and repay. Unfortunately in most of our societies, such atmosphere does not exist. In essence , such as innovative work force are trained how to balance our "fiscal responsibility with a social consciousness".

Dr. Prabhakar, CEO has been involved in the study and research on rural poverty alleviation for the past twelve years. He has undergone an intense International Dialogue Program for Grameen replicators in Bangladesh. He was invited by Grameen Bank / Trust , Bangladesh as a consultant and Resource Person to give a presentation of his experience in Kerala to an International audience at the Micro-credit Conference in Bangladesh during the 31st International Dialogue . Dr Prabhakar has also given a presentation at the World Bank, Washington D.C. about the innovative Micro-credit system for poverty alleviation and empowerment of poorest rural women. He was also invited to give a presentation about his poverty alleviation initiatives to the young IAS/ IFS/ IPS Officers of our country at the prestigious Lal Bahadur Sastri Academy for Administration, Mussorie, India which trains the Administrative, Diplomatic and Law enforcement Officers for the various Govt. agencies, foreign Missions etc. Dr. Prabhakar presented a paper 'Disaster Risk Financing and Micro-finance' at NIDM (National Disaster Management Institute), Vigyan Bhavan, New Delhi. Dr. Prabhakar is also a member of the expert committee for the evaluation of the selected Research Proposals on Socio-Economic development at the CDS (Centre for Development Studies), Trivandrum. Dr. Prabhakar was invited as Panelist during the Grameen Replicators conference inaugurated by Dr. Muhammad Yunus, the Nobel Laureate at Mumbai. He also attended the MGGR 'Training on (Making Governance Gender Responsive)' organized by CAPWIP (Centre for Asia Pacific Women in Politics) at Manila, Philippines. Dr. Prabhakar was invited to share his experience in Micro-credit and Poverty Alleviation at the Galilee College, Isreal during NGO conference on Management & Development of NGOs held in March/April 06. Dr. Prabhakar has been selected as a Panelist by FICCI (Federation of Indian Chamber of Commerce and Industry) for the All India Rural Business Summit.

Four women managerial staffs have undergone in depth training for Branch Managers at Bangladesh, with hands on experience and exposure in the villages. Managers also participated in training of identification of viable Income Generating Activities conducted at NISIET (National Institute Of Small Industry Extension Training) Hyderabad. Two managerial staff also attended the Training on Process Mapping at New Delhi organized by Planet Finance and ABN Amro Bank. A Training on Finance Management conducted by SADHAN at Trissur was attended by our two women managerial staff. The Project Manager of SRI participated in the workshop for the financial managers, focusing on the significant aspects of micro-financing. Center Managers were exposed to the training on people planning Campaign at the KILA (Kerala Institute on Local Administration) . IC (Inter Corporation of Swiss Development Corporation) imparted training on Gender issues and PTD (Participatory Technology Development). Two women managerial staffs recently undergone refresher course on Financial Management for NGO/MFI at Accounts Training Institute, Bangalore. We are constantly getting trained and retrained in the various aspects of micro-credit delivery system for poverty alleviation.SRI has been selected as Nodal Agent of Rashtriya Mahila Kosh and a senior staff has undergone Training of Nodal Officer at NIPCCD (National Institute of Public Co-operation and Child Development, New Delhi. RMK (Rashtriya Mahila Kosh) under Ministry of Women and Child Development has appointed SRI as their Nodal Agent.

The Government of India has accorded approval under FCRA (Foreign Contribution Regulation Act) to receive foreign funds. Reserve Bank of India has also accorded permission to receive foreign loans under FERA (Foreign Exchange Regulation Act) from Grameen Trust.

A significant aspect in the repayment schedule is the mandatory saving system along with the group fund savings proportionate to the loan, to inculcate a habit of thrift and saving among the beneficiaries.

1. C.W.F. (Cattle Welfare Fund)

As substantial number of beneficiaries are engaged in rearing milching Cattle, protection of the cattle become a significant issue. The procedure in the traditional Insurance Company is so cumbersome, bureaucratic and indifferent, resulting abnormal delays in entertaining and settling claims. Besides, insurance do not provide any assistance for Veterinary needs, Cattle Feed, hygienic shelters and related areas. Under such rigid conditions, it become extremely important to protect the interest of the beneficiaries, their cattle, as well as the organization. Therefore, SRI has conceived and implemented an innovation Cattle Welfare Fund with the following salient features:

	Timely compensation and assistance
	Simple procedure
	Allied and varied services
	Customer friendly and result orient approach

2. D. D. FUND (Death and Disability Fund)

A beneficiary receiving the D.D. Fund Claim due to disability
D. D. Fund is established to protect the interest of the beneficiary, their family as well as organization in case of death, or serious disability to the Beneficiary. The salient features of DD Fund are as follows:

	Timely assistance
	Simple procedure
	Sympathetic and human approach
	Allied and varied services
	Result orient Customer service

The noble vision of this innovative concept is to rest the departed soul in peace for ever without any loan liabilities. The beneficiary contribute Rs. 50 (US $ 1.11) annually towards DD Fund. If a beneficiary dies or seriously disables due to natural or unnatural circumstance, her loan liabilities are adjusted from the DD Fund, and her Savings balance is returned to her nominee, upon production of death certificate. Rehabilitation assistance is also provided to the needy and deserving members of family. Besides death and serious disability, assistance is also provided during accidental and unexpected calamities, disasters, disease etc.