Friendship Char Development Committees (FCDC) are groups formed to provide livelihood support to char dwellers through basic trainings such as … and social education. Meeting and strategising in groups also foster a collective attitude to improve lives through initiatives that will affect a number of people. This would include purchasing of mobile phones for improved communication, purchasing of boats for better market access, and irrigation pumps for agriculture. After six months of FCDC meetings, we offer the members take out interest-free loans to buy cows, boats, mobile phones, seeds and fertilizers, irrigation machinery, and anything else that might generate a source of income. The conditions of repayment is that if the person makes a profit then (s)he pays back the principle amount to Friendship. The beneficiary keeps 50% of the profit in cash, and the rest goes into a profit-based saving scheme.