New members have to buy their books or borrow them from older members of the bank. They should pay an entrance fee and start bringing their weekly mandatory savings to the bank meetings. New members are not eligible for loans until they have attended four bank meetings and saved four times. Because their savings are small, their loans will be small at first and so will their dividends. If the village bank grows to 35 members and still more women want to join, the group should help the new women form their own village bank. Once membership grows.
