"Humo" focuses on lending to rural areas, so 77% of its active portfolio aims at service of the rural population. More than 30% of "Humo" active portfolio makes up group loans that reflect the micro finance essence of the company. Group lending does not involve any collateral and is based on a guarantee of the rest of the group members that reduces the risk of delinquency. Throughout all-time activities the company has developed and successfully applies the tools to work effectively both in individual and group lending. The company pays special attention to increase the number of women customers, who make up 45% of its total active clients.