Microfinance Organizations (MFO) organize people in groups. Inside those groups everybody will be supported individualy. Any group has a leader and meet regulary with an employee of a MFO, who is in charge with organizing the credit matters as well and comes for example once a week to advice and encourage, get information about progress and difficulties and get returning rates of the loans.
The fact that received money is to pay back creates a very good training field for disciplined entrepreneurial behaviour. Additional members get approved by working or take part in the group. Who shows reliability and engagement here, will very probably also be careful and responsible with borrowed finances. On the other hand already supported group members are under a good kind of pressure, that eventualy failure of them might block help for new requiring members. Canditate for bigger amounts of credits can only be, who is approved already by good dealing with smaller amounts.