Jugantar Micro-Finance Program (JMFP) is one of the core programs of JSUS. Since 15 April 1999, with objective to change the livelihoods of target beneficiaries through economic empowerment JSUS has been launched JMFP.

JSUS microfinance follows group model. Five members develop a group and 6 group forms a centre. Center meetings are held each week by credit officer (CO). At such meetings members can submit loan applications, make loan repayments and deposits savings. Target families are identified on the basis of sex, age and house hold income and then interested person are invited to group’s discussions regarding JSUS’s microfinance regulation. Now Micro Finance Program of JSUS is being run in Chittagong district through three branches. About 30 crore BDT has been disbursed as loan and about Tk. 26 crore BDT has been realized. The recovery rate is 99%. Mutual Trust Bank Ltd. (MTB), Midas financing Limited has come forward for supplying fund besides JSUS has been utilized its own fund when required.