Problem: In a recent Financial Times article (Parkin, 2021), Bandan Bank's founder (India's largest microlender) reflects upon the Covid-19 impact on the microloan business, and says "... it will take until at least 2024 for businesses to return to pre-Covid levels... microfinance group meetings, which recently restarted after several months, are yielding positive results. 'There is a challenge. But when group meetings are happening and the customers are coming, then it's also a little bit better,' he says. 'Aspiration comes to group borrowers from others. They are saying, 'How are you [paying]? What are you doing? My business is at a loss.' They learn from other group members." The group meetings are an example of what approach in the Microfinance Handbook: