(1) If a debtor does not comply with the agreement or condition made with the institution or if he does not repay the micro loan of the institution within the terms of the document, or if it is found that the institution has misappropriated or embezzled the amount taken from the micro loan during investigation, the debtor shall write to the institution regardless of what is written in the prevailing law. or the security kept in the organization can be sold by auction according to the prevailing law and the principal interest can be collected. For that reason, additional security can be imposed by taking the loan. If the debtor fails to provide such security within the time limit specified by the organization, the organization may sell and recover its principal interest from the secured property. In case any member of the group has taken personal micro-loan, the institution may collect it from other assets of that member and in case of taking micro-loan collectively, the organization may auction it and recover it. After deducting the amount, the remaining amount must be returned to the concerned person. (5) According to this section, if no one is able to collect the property at auction, the organization can take possession of the property as specified.