ADAMS organizes self-help groups among its beneficiaries for their income generation, capacity building and empowerment. In this regard – ADAMS provides capital support to undertaking small initiatives by the beneficiaries. This is a proven track for poverty reduction and bargain power development of destitute poor people. ADAMS started Micro Credit program in 1994 among the target beneficiaries to bring financial empowerment and sustainable livelihood. ADAMS was registered under the Microcredit Regulatory Authority (MRA). Under micro-credit program 21796 beneficiaries were received financial support to involve with income generating activities. This support extends both in rural and urban areas.