Application
One register to get a loan from Koperasi Kasih Indonesia. Could be approached by Koperasi Kasih Indonesia or registering herself

Survey
Koperasi Kasih Indonesia’s field officer will do a survey to assess (1) economic level, (2) cash flow, (3) risk factors

Decision
Field officers submit and discuss survey result with branch manager and decide yes/no/not now

Training
15-20 approved applicants would be gathered for a pre-disbursement training, where a-z about Koperasi Kasih Indonesia and the loan will be explained

Disbursement
Those passed the training is invited to disbursement event, where loan is disbursed

Payment
They will meet up weekly for 25 weeks to pay the loan and get training, at the same time and place