WHAT WE DO

Loan Products

Agricultural Microloans

Purpose: To support small-scale farmers in purchasing seeds, fertilizers, and equipment.
Key Features:
Loan Amount: $100 – $7,000
Interest Rate: 4% declining balance
Repayment Period: 6 to 12 months
Grace Period: 1-3 months, depending on crop cycle
Collateral: ` Minimal, possibly guaranteed by community leaders or cooperatives.
Eligibility: Small-scale farmers, cooperatives, and agribusinesses

Benefits:
Enhances agricultural productivity
Supports food security
Encourages rural economic development

Women Empowerment Microloans

Purpose: To empower women entrepreneurs and small business owners.
Key Features
Loan Amount: $100 – $7,000
Interest Rate: 5% declining balance
Repayment Period: 6 to 12 months
Training & Mentorship: Financial literacy and business management training included
Collateral: Group guarantees or social collateral
Eligibility: Women entrepreneurs and small business owners
Benefits:
Promotes gender equality
Boosts local economies
Increases household income and well-being

Youth Startup Microloans

Purpose: To support young entrepreneurs in starting or expanding small businesses.
Key Features:
Loan Amount: $100 – $7,000
Interest Rate: 6% declining balance
Repayment Period: 6 to 12 months
Mentorship: Access to business development services and mentorship programs
Collateral: Flexible, including peer guarantees
Eligibility: Young entrepreneurs (ages 18-35)
Benefits:
Encourages youth entrepreneurship
Reduces unemployment
Stimulates innovation and economic diversification

Education Microloans

Purpose: To assist families in covering education-related expenses such as tuition, books, and uniforms.
Key Features:
Loan Amount: $100 – $7,000
Interest Rate: 3% per annum
Repayment Period: 1 to 9 months
Grace Period: 1-2 months, aligning with school terms
Collateral: Minimal, possibly guaranteed by community or school partnerships
Eligibility: Parents and guardians of school-going children
Benefits:
Increases access to education
Reduces financial burden on families
Promotes long-term socio-economic development

Healthcare Microloans

Purpose: To help individuals and families cover unexpected medical expenses.
Key Features:
Loan Amount: $100 – $1,000
Interest Rate: 5% declining balance
Repayment Period: 1 to 3 months
Collateral: Minimal or community guarantees
Eligibility: Individuals and families in need of urgent medical care
Benefits:
Provides financial relief during medical emergencies
Improves access to healthcare services
Enhances overall community health and well-being

Business Expansion Microloans

Purpose: To assist small business owners in expanding their operations.
Key Features:
Loan Amount: $100 – $7,000
Interest Rate: 6% declining balance
Repayment Period: 6 to 12 months
Collateral: Business assets or inventory as collateral
Eligibility: Existing small business owners with a track record of success

Benefits:
Supports business growth and sustainability
Creates job opportunities
Strengthens local economies

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