The Vital Edge instructor sets up the initial meetings. A group is composed of 24 women. They meet weekly with the instructor. Each week they record their weekly savings. (About .50 cents per week). After an initial trial period, the group can make loans to each other. Interest is paid to the group. At the end of the year the money and interest is all returned to the individual women. Then the group starts a new round. Unlike most other micro-finance plans, No money enters or leaves the group.