Rojiroti’s method of group organization and management encourages community members to make their own decisions about their lives and finances. It engages people normally beyond the reach of microfinance programs, which often will not lend money to the most extreme poor, who need money to cover basic living expenses and to get out of debt and bonded labour.

The approach's starting point is that development agency workers make an “unspectacular entry” to a village. They involve themselves in village activities and, in doing so, identify candidates in the community to be trained as Village Volunteers. These volunteers spearhead the formation of self-help groups, each consisting of about 10 members of similar caste or social group. The members organise and manage their own group, analyzing their livelihood and financial needs and sharing information. The volunteers may introduce new ideas, but ultimately the livelihood strategies that emerge reflect the interests of individual group members.