The programme is for individual family or groups of such families, who have no financial resources, but want not to be dependent on charity. Mercy Universal helps such families by providing them interest-free loans, which will enable them to use the money for creating income tools for self-reliance. The programme examines every project for interest- free loans by financial experts who keep the progress of project for interest-free loans by financial experts who keep the progress of project under constant review under agreement with the family/families who receive interest-free loans. Mercy Universal loans are returnable within a specified period of time depending on nature of enterprise and at the same time generate enough income to recipient family’s needs.