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Why these groups are important?

This collective responsibility groups bring is with one mission, no friend or family member will sleep hungry again, that why the administrator of each group member setup amount each member will deposit, the total amount of the money deposited will play as a guarantee for members food loans requests.

Example: each member of your group deposited $50 and they have 10 members, that is equal to $500 group deposits. It means if a member wants to eat at a restaurant but has no money that day, he can eat and request Tiva to pay for that food of $20 dollar and another member can access tax loan or grocery loan. Thing to note; No one will access food loan exceeding the deposit of $500. Also you need to understand, these loans are only during the day of your need, you need to deposit your food expenses money in your Tiva account to build your wealth / transaction history.