The micro-finance business model is based on lending that is guaranteed by the group. This translates into a solidarity network and a support mechanism that mitigates credit risk and encourages payment discipline. Credit repayment in well-managed micro-finance institutions is around 95%. All studies undertaken in the area have also revealed that women are not only the most active among informal-sector entrepreneurs, but they are also quicker to meet their commitments.
集体担保贷款是小额信贷的惯用商业模式。 这种模式进而转化为减轻信贷风险并鼓励付款纪律的休戚相关的网络和支持机制。管理状况良好的小额信贷机构其信贷还款率为95%左右。相关领域进行的所有研究也显示女性不仅是非正规经济部门最活跃的企业家，而且也能更迅速地兑现她们的承诺。