to start every meeting in a savings group.

以開始儲蓄小組的每次會議。

The President's role will be to take attendance of the members.

主席的作用是對成員進行考勤。

The Helpers will remind the group

幫忙者會提醒大家

about the fines for members who did not attend the previous meetings,

關於對未出席先前會議的成員的罰款。

as well as the necessary fines

以及必要的罰款

assigned to members that did not make the proper payments on their loans.

分配給沒有適當支付貸款的成員。

The Members will then need to recite the rules

然後，成員們需要背誦規則。

that they need to remember in each meeting.

他們需要在每次會議上記住的。

Now, let's talk about the main decisions

現在，讓我們來談談主要的決定'。

that the savings group should take to approve a loan.

儲蓄集團為準許貸款應採取的措施。

The first rule is that a member can only have one loan at a time.

第一個規則是，一個會員一次只能有一筆貸款。

Remember,

記住：

if the member requesting the loan is asking for a second loan,

如果申請貸款的成員要求第二次貸款。

they cannot take the second loan.

他們不能進行第二次貸款。

They can only have one loan at a time.

他們一次只能有一筆貸款。

The second rule is that a loan

第二條規則是，貸款

cannot be longer than 1 year, or 12 months.

不能超過1年或12個月。

The group needs to recite that one month is four weeks.

小組需要背誦一個月就是四周。

The group will then need to start discussing a potential loan

然後，該小組將需要開始討論潛在的貸款。

that a member has requested.

成員提出的要求。

If the person requesting the loan does not have any outstanding loans,

如果申請貸款的人沒有任何未償還的貸款。

then the next step for the group

那麼下一步

will be to discuss the conditions of the loan that is being requested.

將是討論所申請的貸款條件。

The first thing to determine will be the duration of the loan.

首先要確定的是貸款期限。

The group will have to decide on two choices

該小組將不得不決定兩個選擇

for the duration of the loan.

在貸款期間，。

These need to be time periods that will be both acceptable to the group

這些時間段必須是小組可以接受的。

and for the person taking the loan.

而對於貸款的人來說，。

The group will then need to vote

然後，該小組將需要進行表決

on one of these two time periods for the loan.

在這兩個時間段中的一個時間段內進行貸款。

The time interval that gets more votes

獲得更多票數的時間間隔

will be the duration of the loan.

將是貸款的期限。

Next, the group needs to decide upon the amount of money

接下來，小組需要決定錢的數量。

that each month the person must pay in interest on the loan.

該人每個月必須支付的貸款利息。

The group must now vote to approve the loan.

現在集團必須投票準許貸款。

Then, the person who will receive the loan

然後，接受貸款的人

will have to accept or reject the loan under the given conditions.

將不得不根據給定的條件接受或拒絕貸款。

The loan is only given

貸款只給

if the majority of people vote "yes" for the loan

如果多數人投票贊成貸款

and the person taking the loan agrees to the conditions.

並且貸款人同意這些條件。

The loan is then given.

然後再給予貸款。

The interest of the loan should be paid every month

貸款利息應按月支付

and the original amount that the person borrowed

和原借款人的金額

must also be paid at the end of the loan duration.

也必須在貸款期限結束時支付。

After this, the normal activities for the meeting

此後，會議的正常活動

need to occur as follows:

需要發生以下情況：

The Members will pay fines and missed payments.

罰款和漏繳的款項由會員支付。

The Helpers will remember missed savings

幫辦會記住錯過的儲蓄

and what fines they need to pay.

以及他們需要支付哪些罰款。

The Treasurer will count the money and announce the amount.

由財務人員清點錢款，宣佈金額。

The Members will then pay the amount they need to contribute

成員們隨後將支付他們所需繳納的金額。

to their savings.

對他們的儲蓄。

The Treasurer will count the new amount of money in the cash box

財務主管將清點現金箱中的新錢數。

and will announce that amount.

並將公佈該數額。

The President will then close the meeting.

然後，主席將宣佈會議結束。