In the RCT, the bundled services were tested with over 5,000 clients in two provinces of Indonesia. As part of the intervention, loan officers first went through a training of trainers (TOTs) and training of counselors (TOCs) training courses. More than 170 loan officers were trained to become trainers and/or counselors. Trained loan officers then delivered a two-day classroom training and/ or carried out five individual counseling sessions with the clients. It was expected that training, counseling, or a combination of the two would improve the performance of the businesses.