YOSEFO uses a solidarity group lending methodology which was adopted from Grameen Bank. This methodology, which helped earn Grameen Bank the 2006 Nobel Peace Prize, has been modified to fit Tanzania. YOSEFO gives loans to individual Tanzanian entrepeneurs, who organize themselves into 5-person groups. The groups take primary responsibility for supporting and aiding its members as they develop their business. Every week, eight groups from a community (a "center") will come together to repay loan installments and conduct group business.

Following the recent trend in microfinance finance, YOSEFO has begun offering loans to individuals, outside of the traditional solidarity group framework.

School Loans and Savings                 School fees are a major financial strain on countless Tanzanians. YOSEFO has created a school loans and savings program to help ensure that Tanzanians are able to send their children to school.