To ensure that members only loan the amount they are capable of paying back, Account Officers do a client investigation. Here, they interview the members on their businesses and their purpose for applying for a loan.
The Unit Managers, then, do a final assessment on the amount of loan applied by the member. The UM will also visit the house or business of the member to validate the information gathered by the AO during the initial assessment. Final assessments could also be made by Area Managers and Regional Directors, depending on the amount of loan.