More than half of AHFL’s customers have an average monthly household
income between Rs.5,000 ($100) and Rs.20,000 ($400); 75% are
salaried and 25% are self-employed; and 30-50% of customers live in
urban areas, 10% in rural areas, and the remainder in semi-urban areas.
Salaried borrowers are typically low pay grade employees such as drivers,
police constables, and government school teachers. Self-employed borrowers,
whose average monthly income is Rs.10,000 ($195), are generally
small merchants, commodity traders, garage owners, mechanics,
general store owners, and agriculture workers