Safwco MCP has separate administration, monitoring and accounts from the other sectors. The General Manager (focal person) heads the Credit and Enterprise Development (CED) Sector in charge of steering the operations, policy development, marketing and research and monitoring. The Deputy General Manager assists the GM and looks after Human Resources Development and Management. The operation is carried out under the supervision of the Operations Manager heading a team at head office, and the field operation is carried out through branches headed by a Branch manager. Generally each branch comprises of a Branch Manager, a female and male credit officer, an accountant and support staff (driver, clerk). Each branch covers roughly 30 km square area. Under the new arrangement, credit officers are responsible for client identification, organizing a local credit committee, carrying out appraisal and loan monitoring and recovery. Disbursements are made through cheques from the branch and all recoveries are deposited at a nearby Bank branch. Towards the closing of the day, the Bank branch transfers all recoveries to the designated central accounts maintained by the Head office. The Operations department is responsible for checking on compliance, approval of the appraisals submitted by the branch, consolidating the accounts and making timely disbursement to the branches.