Today I woke up at 5:30 in order to make the 1.5-hour trip to Cadiz City before the first center meeting. The bus passes by 100 or so kilometers of sugar cane farms and fields. The loan officers arrive at the branch around 8 AM. There will be 14 center meetings led by 7 loan officers. Each loan officer is in charge of 1-3 meetings per day, depending on the proximity and size of the centers, which range from 6 to 85 members. This morning, all the loan officers are heads-down, calculating the day’s payments from the clients. It is important that this work is done ahead of time, as promptness and efficiency are a virtue when you are trying to meet with upwards of 100 clients per day.