GRAFE has a specific mode of action.
Its conception of microcredit is different than the one usually found in the market:
- almost no administrative fees
- direct reinvestment of interests
- direct follow-up on the ground by the President
Participation in the local economy
Income generation / job creation / access to training (apprenticeship))
Prevention of rural depopulation
The operation of the revolving is summarized in the following diagram:
Full redistributions: Repayment of loaned amounts is fully repaid on other loans.
Self-financing: The interest paid is used to finance all the costs of the local branch.