The organizers of one large loan programme know their group very well. They know, for example, that almost all the women borrowers cannot read or write. They know that they are from 20 to 40 years old, have several children, and that some are sole family supporters. Regarding their businesses, they know that the women have nowhere else to meet their needs for funds to buy tools and raw materials and to fix up their selling stalls. They can therefore tailor their programmes to meet the women's needs.