而市场风险小组认为它们是信用工具，因为这些产品的基础资产是贷款。
Market-risk teams saw them as credit instruments, since the underlying assets were loans.
根据自助小组的纪录，它们现在已经还清了超过90%的贷款。
Already, the records of the self help groups show over 90 percent of the loans have been repaid.
另一位妇女名叫Lata，她说自助小组发给她的第一笔贷款帮助她提高了收入。
Another woman, Lata reported that an initial loan from her self-help group had helped raise her income.
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