A Solidarity Loan is micro joint-liability credit in local currency, designed for groups of rural people who have a specific purpose of using the loan for general business activities in order to improve their household's economy. Clients can apply for loans up to KHR 1,000,000 (approx USD 250) with a maximum duration of 12 months. The interest rate is charged from 3% to 3.50% per month, using a declining balance calculation method.