CREDIT SERVICES


Company has been offering diversified loan products to its customers. Solidarity group based loan, MSE Loan, Business loan, WDEP Loan, General purpose loan, Business Loan, Housing loan and Interest Free Finance are the major loan products of the company.

Solidarity Group Based Loan (SGBL):- SGBL is a microloan that self organized groups in rural and urban settings are eligible to borrow through group liability. It targets all segments of low income population but mainly women and unemployed youths.

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Micro, Small and Medium Enterprise Loan (MSEL)

MSEL targets higher education institution graduates as well as other unemployed youths or individuals who establish one of business entities such as Cooperatives, Sole proprietorship, Partnership, Share Company and Private Limited Company.

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Youth Loan MSE Targets

Graduates and non-graduates living in rural or urban areas of the company‟s operational area who established one of the following formal business entity: Cooperatives, Partnership, Share Company and Private Limited Company.

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Business Loan (BL)

BL is a loan type that offered to individual or group business runners. The operators need to present matching collateral for their loan request i.e. obviously legal urban house.

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Women Entrepreneurs Development Program Loan (WEDP)

WEDP loan intends to enhance women owned individual businesses or enterprises through ensuring financial support. The main targets are individual businesses owned by women and of organized women enterprises that are in operation for at least 6 months.

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General Purpose Loan (GPL)

GPL is a loan product for permanent employees of government and non government organizations that borrowed for any personal affairs through presenting equivalent salary guarantee.

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Housing Loan (HL)

This is a housing loan for employees to contribute toward the efforts that have been made by government in reducing the housing problems in towns. HL is provided to permanent government and non-government employees, police forces and government appointee officials who can present required guarantee or collateral.

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