Success in activity or service comes from hard work and humility. The greater the hard work and humility, the greater the achievements. Service is not simply a desire, a passion, an intense feeling for one person or object, but a consciousness which is simultaneously selfless and self-fulfilling. Shalom Micro Finance believes in activities which can be for one's country, for a cherished aim, for truth, for justice, for people, for nature, for service, and for god.

Shalom Micro Finance activities are spread across the common people irrespective of religion, cast, region and faith. The entire region benefits directly or indirectly from Shalom's presence. Indeed, our strategy is to contribute its might to achieve the Millennium Development Goals of halving poverty by 2015.
Shalom Micro Finance primarily serves women clients through SHGs. The existing clients are primarily rural and urban women engaged in agriculture and they source their income from this activity. In addition to this, a small portion of individual businessmen in urban markets are also served by Shalom through its business loans.
SMFL encourages cost effective, secure and accessible micro savings services among the people in the rural areas. Contrary to some beliefs, low income people also save their money. In fact, their savings represent a higher portion of their net assets than those of their counterparts in society's upper income segments. With access to well-designed savings products, low income people can also accumulate wealth. When aggregated and invested properly, these small, sometimes seemingly insignificant amounts can add fuel to country's economic growth.
Equally important are measures to support the informal sector, where most of the urban poor work in low paid, low quality jobs. Shalom Micro Finance also provides assistance to small enterprises to upgrade skills and increase access to productive resources and market opportunities. In this process, through quality micro finance, SMFL brings informal enterprises into the formal economy. Most of the urban population operates in the informal economy without security of tenure and without formal employment.