At Present Arman is working in the districts of Ahmedabad, Baroda, Anand, Kheda, Sabarkantha, Godhra, Dahod, Mehsana, Patan, Gandhinagar and Panchmahal in Gujarat. Arman has also expanded operations in the Indore District of Madhya Pradesh. Arman at the end of November 2010 has in all 21 Branches operating and adding one or two new area every month. Arman’s JLG based Microfinance model is well accepted by it’s members.

The target beneficiaries of the organization is and will be people mainly women is semi Urban and rural area with a special focus on those belonging to economically, poor and social neglected communities such as schedule castes, schedule tribes, other backward classes and religious minorities. The organization always surveys the area and if only engages in those areas where it fince finds dire needs for micro financing potential.

The decision of working in already selected areas are due to several important factors. Arman’s Directors and staff are well aware of local conditions, culture, needs and constraints. Arman has good idea of geography, market potential, social dynamics and various other local issues and constraints. Arman would like to capitalize on this knowledge by continuing working in these areas. Secondly and more importantly, though Gujarat is witnessing increasing volume of economic activities, low income families still find it difficult to raise finance from banks. Local moneylenders wreak havoc in the area through usurious interest rates. Microfinance Institutions are still limited in this area. Arman sees this as an opportunity and would like to use this opportunity to provide timely financial services to the needy. The general economic condition and potential market size has been elaborated further.

The population of the Gujarat State was 5.1 crores as per the 2001 census data with more than 3 crores of rural population. The density of population is 258 persons per km. The four districts of North Gujarat had a population of 1.1 crores with 34 talukas and 2,775 villages.

As can be observed from the above table, the four selected districts have comparatively dense population suitable for microfinance.

Arman in the short span of first four months of the year 2009-10 has added three branches for its micro-finance activities.

Branch Office (For Micro Financing):