Groups with funds find illiteracy common among their members. So they develop useful approaches. One uses picture books to explain the local fund, and how it works. Another issues special identification cards to each members, with her picture in it. When a woman signs for a loan, she puts "X" and her card number. A third fund has the literate women keeping the accounts of the fund, while those who cannot read hold the cash. They all know their groups and make best use of their situations.