Historically, between 95% to 98% of our microloans are paid back. There are many reasons for this high repayment rate. One of the primary reasons for this high repayment rate is Trust Groups – groups of 10-30 entrepreneurs, mostly women, who meet weekly to receive business training from a loan officer. As a group, they not only support each other, but also guarantee each other's loans. If one woman's business falters, the others chip in for her loan repayments until she returns to profitability. Trust Groups have proven to be the secret behind our high loan repayments and remain an essential tool in building community and growing the next generation of entrepreneurs.