(1) When the organization grants microloans, it must enter into a written agreement with the debtor, keeping the conditions as necessary for the protection and proper use of the loan. (2) When entering into an agreement according to sub-section (1), the organization shall keep the loan for any period, and if the conditions set by the organization are violated, the borrower shall return the principal and interest. It can set conditions so that it can be imposed or withdrawn from the security or collective surety given by the debtor in writing. But when the institution takes security from the borrower, it will not take security from a person unrelated to the group.