 This joint liability form of microcredit is controversial, with Muhammad Yunus (for example) rejecting formal systems of joint liability in Grameen Bank's solidarity groups.Worldwide FINCA’s 20 affiliates have a mostly-local staff of over 10,000 people, including credit officers and supervisors.Each credit officer attends the weekly meeting of each of her 10-15 village banks to coach its leadership committee and monitor the bank’s activities.