The guarantee of Communal Banking or ¨Village Banking 2.0¨ is the promise of solidarity. If one member fails to repay his loan, the rest of the group will divide the debt equally amongst themselves. Groups contain a minimum of 9 members and a maximum of 25.
In Village Banking, the loan amounts are between HNL 1,000 and HNL 12,000 per member and groups have up to 12 months to pay.