Rojirotis clients are mostly women, are mostly members of disadvantaged castes, and are mostly farmers and/or livestock keepers.
Rojiroti loans are used for need-based activities. These include repayment of previous loans from informal sources, purchase of essential goods from fair-price shops, medical treatment and for social purposes such as weddings and funerals.
Conventional wisdom regards these purposes as 'unproductive' and such loans as risky. But the reality is quite different: they prevent the borrower from falling further into poverty by selling assets or taking informal loans at punitive rates of interest. The benefits of this type of borrowing are seen as groups mature; after two or three years of existence, members increasingly borrow for agricultural purposes, children's education, to improve their homes and to start businesses.