Credit Products are delivered by Credit Organizations (COs) which comprise of 10 to 20 people. These officials are responsible for allocating the desired timeframe for the customers and habilitating a preferred set of credit-demands so that the customer has no reason to feel uncomfortable. When the process begins, the loan is secured through a verified group. This requires regular meetings with the COs, a well-rehearsed presentation to the company that savings are possible before the first loan is made available, and accident and hospitalization insurance is purchased for the loan. Again, the less-fortunate are preferably taken care of.