Loan

The base loan offered to group members for income-generating and productive purposes such as trade, agriculture, or small business. Disbursed on a group-guarantee basis without physical collateral, with size and tenure set according to the member's repayment capacity and meeting cycle.

Available to women members to cover expenses related to pregnancy, delivery, and post-natal care. Disbursed on request following the group's recommendation and repaid over an agreed installment schedule.

Meant for urgent, unplanned needs such as medical treatment, hospitalization, or accidents. Can be disbursed outside the regular meeting schedule, so members are not left waiting for support during a crisis.

Lets a member borrow against their own accumulated monthly savings balance. Because the loan is secured by the member's own deposit, it carries a lower interest rate and a simpler approval process than other loan types.

Designed for household and family-level needs — home improvement, children's education, or other family expenses — offered to established members with a consistent repayment history.

A small-ticket loan that helps members purchase a smartphone, supporting access to mobile banking, digital financial services, and everyday communication. Repaid in short, fixed installments.

Targeted at members running or starting a small enterprise. Offers larger amounts than the General Loan to support business expansion, working capital, or equipment purchase.