Satin's Joint Liability Group (JLG) model closely resembles the lending practives of the Grameen Bank of Bangladesh, but adjustments have been made to suite local requirements. Clients are organized in groups of five, and each woman takes joint liability for the other group members. The clients have weekly meetings when they pay back the loans and voice any challenges or concerns they have. There are two to eight such groups in a center, meaning centers can have a minimum of 10 women and maximum of 40.

Before clients are admitted to the microfinance program, Satin’s field staff provides a five-day training session (Compulsory Group Training or CGT), introducing prospective clients to Satin’s products, rules, policies and procedures. After the training is completed, the field staff will conduct the Group Recognition Test (GRT) which tests the group members on their understanding of Satin’s microfinance program.The group is admitted to the microfinance program upon successful completion of the GRT.