Under the branch level, your financial institution can have centers and groups to organize and empower clients. Usually, a single Loan Officer works in a center and is responsible 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). The clients can be organized in multiple ways:
Groups include multiple clients who can act as a unit. In a scenario where a group has a savings or a loan account, all the clients in that group contribute to it.
Individual Clients can act on their own as well, with individual savings and loan accounts. Furthermore, they even have the option to act as part of the group.