A loan applicant shall be a member of a group with a maximum of 25 members and the only form of collateral is the group collateral (i.e. the existence and membership of the group itself) and the mode of repayment of the loan is on a gradual weekly basis. All repayment of loans must be made within 20 weeks after the first week of loan disbursement. The interest rate is convenient and subject to economic relation.
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