HAC sets up low-interest revolving funds with OPA (self-help groups for older people) with the aim of improving the financial security of older people in target communities, as well as providing OPAs with a sustainable source of income. OPAs typically fund income-generating activities (rice banks, cow banks), social activities such as funeral funds, health visits, and so on.

Unlike standard MFIs, interest from the revolving fund is returned to the OPAs for the general benefit of older people in the community. OPAs are free to choose how to invest their returns.  OPAs could fund social activities, infrastructure, and funerals for poorer older people, or use revolving fund capital to start a social business.