Putting Institutions First –Even in Micro Finance is a small attempt to analyse the impact of the strategy adopted by MYRADA’s to use the management of credit as an empowering tool. The book draws from studies made by CATAD and Aga Khan Foundation as well as from studies conducted by MYRADA. The findings indicate that MYRADA should continue with its mission of Building Peoples Institutions, leaving the provision of micro finance to institutions meant primarily for this purpose like Commercial Banks and Regional Rural Banks. However with the recent pressures on these Banks that are making it increasingly difficult for them to service small loans even to Self Help Affinity Groups, MYRADA took the initiative to promote Sanghamithra (A Not-for-Profit-Not-for-Loss Section 25 Company) which adopts a mobile kiosk banking system to deliver financial services to self help affinity groups promoted by any NGO.