The general loan is year loan with monthly repayments. Clients make monthly payments mostly during center meetings. A center is a meeting place, where group members perform their financial transactions such as repayment, withdrawals, deposit etc. Generally a group is composed of five members. The interest rate is 17% on declining basis if the clients pay the installment in center meeting. Before women can become members of NUBL, and hence eligible for loans, they must complete the compulsory group training (minimum 7 days) and pass the group recognition test.