Microfinance services alone are not enough to uplift the living standard of small farmers. SFACLs therefore, have implemented many programs by utilizing their internal resources with the assistance of the Government of Nepal for the overall development of small farmers. These programs include skills-oriented community training, social programs on education, health, drinking water, environment conservation, maternal and infant welfare scheme, community development programs, construction of bridges, roads, schools, irrigation, and reforestation. These programs are implemented with the voluntary service of farmers, financial resources of SFACLs, and some support from outside.