In the group lending process, prospective individual borrowers are required to form a small group of five members and join 2-3 larger groups to form a total of 15-20 people. Through this model, members share the risk and are responsible for each other’s timely payment because if one individual defaults on her loan, the others will be required to assume the repayment. The goal is to encourage members to select high-quality, creditworthy partners to minimize risk.