These loans are specifically designed for poor and disadvantages groups as a means to encourage and assist them in undertaking income generating activities. Borrowers encourage to form a group consists 10-15 members, have little or no education, and are not served by other microfinance institutions. Borrowers typically operate businesses that provide products or services to their local communities. Loan range is 20,000 to 50,000 and duration of this loan is 1 year. All repayments are collected through designated banks. The group meetings are used on monthly basis to spread information on community initiatives to contribute poverty reduction.