WMI provides a comprehensive loan program called the "Transition to Independent Banking Program" that offers impoverished, rural women business loans in a highly structured environment. Borrowers in 20-member solidarity groups cross-guarantee each other's loans; they receive skills and business training, peer mentoring, technical support, on-site followup and on-going access to resources. Each WMI loan hub location is managed and administered on the ground by a woman-focused, village-level, local partner that is registered as a community based organization (CBO). After 24 months (four loans), successful WMI borrowers are promoted to bank loans issued by WMI's partner banks. WMI continues to provide training and support services.