In a developing environment, integrated development programmes occupy a pivotal role. Income enhancement is a positive and important indicator of poverty alleviation to which all development activities are addressed. Certain basic technical and socio-economic criteria can be employed - large scale, reaching the poor, providing easy access to savings and credit services, mechanisms for cost recovery and financial sustainability. Consia understands the importance of formalising solid regional and/or national policies for micro-credit and poverty lending, removing the often-problematic issues of local budget decisions and ensuring greater scale and sustainability, as well as the sharing of best practice knowledge, and the inclusion of financial institutions as partners to augment the stakeholders with financial management and systems.    Consia has the competencies to best choose a tailor-made programme model, ensuring consensus building around the various actors/stakeholders involved and the necessary transfer of awareness and understanding; and the understanding of programmatic, institutional and financial issues associated with such projects, and provides constant programme impact and institutional development assessment needed.