These are small business loan facilities designed to provide customers with easy access to funds for their working capital needs secured by the solidarity group guarantee. The insistence on 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 amount of loan taken by each member in the group. They meet twice a month at designated place for reviews and training by Afrione credit officers. Loans are taken gradually starting with small loan amounts and later increase based on repayment of previous loans. These are provided to agriculture loan products and small businesses loan products.