The micro-sucess program is real and every one feels like atleast getting a loan but the problem comes in when it gets to the time of repaying back the loan it becomes real problem.

With the expirience on o.net microfinance I have been working on,Of 14 groups which recieved the loan ,the first repayment was really fantastic and in percentage I can say only 1% did not repay.But the situation changed when there was no much activity being in place at the we centre in Gulu and this made the people to start suceededing the date of repayment.These meant that the activity at the centre really was helping in the loan repayment and because there was a halt in the activities 5% of the people had used the micro loan for solving other problems. like paying school fees ,sickness, family disagreements and others opt to do business in Sudan and have not yet come back and no communication has reached the office.So for such situation if we are to best work on developing this program,I believe the group system worked for some but for othere it didnot work well.This iplies the use of bith group loans and individual loans.

I and the community forme a loan recovery committee of 6 people which its duty was to recover the loan from the defaulters .

I have really been trying to move to the cliants business places and check on how this people where developing in business.But this was not that very often possible because its quite abit expensive to do .This implies that the There shuld be provision for the transport like motor bikes to help in this and doing some recovery if the programme will be extended to the non members.otherwise working with large community without such services won't be that easy.

Because of some conditions on the ground at the time , 67 cliants recieved the loan and the repayment date was also the same,i find this was much of a burden because the some peple were not very ready and commited to take the loan this made it very had for them to repay the loan and for those who were ready its really went on well and others have so far got twice the amount all members started with and their business is doing well.so This are some of the tips which I believe can really work well if corrected.

Very strict measures and fines for delayed repayments of the loan could really do well as other profit making micro credits work.If introduced could work also better at lia.