English to Spanish Bus/Financial Finance (general) Loans

Hi again:

The approach is characterized by a focus on savings, asset building, and the provision of credit proportionate to the needs and repayment capacities of the borrowers. Groups **are low-cost**, simple to manage and can be seen as a first step for people to reach a more formal and wider array of financial services.

This time, my question is because I don't think that a literal translation works for "are low-case" as in:

Los grupos son de bajo costo, fáciles de manejar y pueden verse como un ....