Below the level of the branch, your financial institution can have centers, and groups to organize, and empower clients. Usually, a single Loan Officer works in a center and has responsibility for several groups. If there is a center, it determines the meeting schedule (if there is one) for all the groups contained in it. (Otherwise, the branch does this.)
Groups include clients; they can sometimes act as a unit, as in the case where a group has a savings or a loan account, and all clients in that group contribute to it.
Clients can act on their own, with individual savings and loan accounts, or they can act as part of a group.
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