1. LAPO Union: All members are organized into small groups of a maximum of thirty. This group is also called a union. Each group has a name, a leader, and a secretary. The leader ensures that members attend meetings. He/She represents his/her group at general and council meetings. Group members sign for each other when anyone takes loan. In other words, they serve as guarantors for each other.

2. Interest on Loan also called COS (Cost of Service): This is what LAPO calls service cost charged on loans given to members. It is computed and paid by installment along with the regular repayment.

3. Savings Mobilization: One important feature of LAPO is savings. Clients are expected to save every week/month based on predetermined terms or conditions. Clients open account with LAPO upon initial deposit that can be build up.