Through the health centers, AMURT encounters many women who are the sole breadwinners in their families. Most are widows; others have husbands who are disabled. Local traditions continue to place widows at a big disadvantage due to certain cultural practices. In the economic empowerment program, indigent women come together to cooperatively manage a revolving credit scheme. Interest free loans are made available to the women to start their own businesses. After two months, they start paying back 10 % monthly. After one year, the loan is fully paid back while a new woman is empowered by the group every month. AMURT provides basic training in business planning and bookkeeping.