Members save small amounts each month, take loans from the group’s shared fund when needed, and support one another through times of financial or personal distress. The groups promote a culture of thrift, solidarity and shared responsibility.

At group meetings, members discuss loan requests like bankers and agree on the terms together. No one has to depend on moneylenders charging high interest. Meetings also cover health, hygiene and social issues, and many conflicts are resolved through discussion. Members build strong networks within their groups, which are an important support, especially for migrant families.

Through regular meetings, women develop leadership skills, and their standing improves within their families and in society.