No member of the circle gets a loan untill all five are ready. They have to meet reagularly for 8 to 12 weeks to be certified. If any one of them doesn't show up, the meeting is cancelled an the loans are delayed. Same thing if you show up more than 15 minutes late without an excuse. I'm tough on that.
Some circles go on for months, trying out new members, untill they have five who are trustworthy.
They learn from each other, find out they have a lot of the same problems. We're proving that we can do it for ourselves- and despite what you hear, these people are good business people. If you can teach them how to do it, they can do it.