These are small business loan facility designed to provide customers with easy access to funds for their working capital needs secured by the solidarity group guarantee. The insistence of solidarity Loans is group guarantee and presence of actual economic activity of members. Solidarity groups are formed by 5-10 members, known and willing to guarantee one another for the amount of loan taken by each member of the group. They meet twice a month at the designated place for reviews and training by Victoria credit officers. Loans are taken gradually starting with small loan amounts and later increase based on repayment of previous loans.