Each group elects a chairperson, vice chair, secretary and cashier. In each group meeting, various issues related to loans, savings, economic activity, group function and social issues are discussed. Compared to other developing countries, a high proportion of women in Tajikistan are literate, many with higher education. This enables a quick understanding and mastery of group management. According to Khaironnesa, a group leader, many of the women who are involved in the GGL program have no husbands.
Women know that now they have to rely on themselves for securing their families' well-being.
The GGL program helps them in that goal. The remainder deal with other food items such as sour cream, fruits, eggs, bread, nuts and home-made vegetable oil. Kholbibi from the Bokhtar region of Khatlon uses her loans to buy yogurt from her village and sell it at a 20 percent profit at the nearest market. In my family there are nine mouths to feed. I'm very grateful for Save the Children's GGL program because it helped me in the worst of times-when I didn't have a single ruble to buy bread.