While some local politics can exist e.g. the wife of the panchayat leader taking more loans than others, etc. But, a few rules, e.g. no loan without returning 75% of current loan and a small amount of account keeping can keep things fair.
2) Anawim had implemented the SHG concept in the following fashion. Creation of womens groups (6 months to 1 yr of running weekly meetings – there act as a platform for discussing issues faced by women in the community, maintaining minutes and if possible savings. But, the savings was not necessary). Next a loan was given to the entire group to maintain. They also ran an evening center for the children in the community and the interest generated from the loans would help run the center. The interest in maintaining proper accounts was in the interest in the education of their children.http://www.paadhai.org/First
3) Timbaktu Organic (TC) has a micro-finance program for encouraging farmers to take up organic/low-cost farming. TC also serves as a link to market the goods if they do not get utilized locally. The reason to mention TC is their approach to raise the capital – they reach out to socially responsible individuals to fund their initiatives. A nominal 4% interest is available to the individuals on request, further if it is a really bad year, they commit to take care of the principal if not the interest. http://www.dorabjitatatrust
Microfinances and Women Empowerment (Keeping Project Freedom in mind)
Microfinance: The Downside
 When is microfinance NOT an appropiate tool?http://www.microfinancegateway
 Why do MFIs charge such high interest rates to poor people? http://www.microfinancegateway