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Of these “top performers,” 73 are individual lenders and the rest either lend through Grameen-type groups of from three to nine borrowers, or through the larger groups associated with the village banking approach.3 Relative to lenders using group- lending methodologies, microlenders focusing on individuals tend to (a) be smaller and serve better-off clients, as reflected by average loan size; (b) be more self-reliant as proxied by the percentage of their financial costs covered—102 percent relative to just 89 for group-lending micro entrepreneurs; (c) serve a smaller population of women clients— on average 46 percent of the clients of individual microlenders are women versus 73 percent for group lenders and 89 percent for village banks; and (d) charge lower interest rates and fees as reflected in the real portfolio yield: 49 percent for village banks, 30 percent for group lenders, and 21 percent for individual lenders...

On this latter point, however, it should be noted that village banks and group lenders also have considerably higher expenses relative to loan size. While individual lenders devote 20 cents of each dollar lent to operational costs, group lenders must devote 37 cents, and village banks 61 cents.

The bottom line is that the group lenders and village banks tend to serve poorer clients and have higher costs relative to loan size...

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“The role of business is to serve the larger society, which is best accomplished by being responsive to the larger society.” Beyond Group Lending Groups and Teams:Becoming High Performers Team and Groups Teamwork & Groups Groups Or Organizations Are An Important Part Of Some People’s Lives. Why Are Groups Or Organizations Important To People? Use Specific Reasons And Examples To Explain Your Answer. Focus Groups Groups & Teams Groups and Teams Hate Groups pressure groups dynamics of groups Groups In Need Groups in and out groups

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