As a leading title loan service provider, Ngern Tid Lor creates financial opportunities for low-income earners and self-employed individuals by offering access to legal loans through fair and transparent lending practices. In 2012, the company initiated a financial education programme for fresh-market traders, which was subsequently expanded to communities across Thailand and officially titled the "NTL Financial education for Communities" programme in 2015. Targeted at low income earners and the self-employed, including traders in fresh markets and factory workers, the programme provides basic knowledge about personal finance, income and expense management, savings for investment, as well as technology adoption for financial-transaction cost savings. The company also encourages employees to volunteer their time in the programme in order to better understand customers' situations and recognise the importance of creating financial opportunities for them.