there is solidarity lending in over 43 countries. each borrower must belong to a five-member group, the group does not need to give a guarantee for a loan. the loan is made to only one person but the whole group is to make sure that the money is repaid. each member has to pay for their own loan but if they have problems the group may help them pay because the group would not get any more loans from grameen if all the groups loans were not paid.