Credit program, operating through centers. Savings are compulsory and take the form of contributions to the Group Fund. (The Group Fund includes: personal savings; a group tax on loans; a group training fund; as well as any penalties levied on a member). NWTF also has education loans, utility loans (for electricity and water), and family loans. In 1989, NWTF started Project Dungganon, which uses Grameen Bank methodology to serve women in rural households among the poorest 30% of the population.