After the formation of a Sangam, a leader and deputy leader are appointed to help facilitate meetings and ensure compliance with SKS procedures. Sangam meetings are held on a weekly basis by SKS� Sangam Managers and all financial transactions (also see Products & Services) are conducted during the meeting. Meetings begin early in the morning so not to interfere with the daily activities of the clients. In addition to financial transactions, clients use the weekly meetings to discuss new loan applications, loan utilization and community issues. Sangam meetings are conducted with rigid discipline in order to sustain an environment of credit discipline created during CGT.