Women's initiative is everything! It should be demonstrated in a project before lending. In one goat-raising project, several women put their small savings towards raising a herd. One member of the group, trained in animal husbandry, kept the herd. A local veterinarian assisted with advice. And the local market proved to be good. The women worked out all the details and sold the goats. When the time came to expand, they sought out fund money for that.