BUSINESS

Farming Women

Product Name
Target
Lending model
Loan size
Loan Tenor
Collateral
Repayment frequency
Interest rate
Administration fee
Compulsory savings
Interest Calculation method
Life insurance
Economic activities ECG
Farming Women Marginalised women in the Urban area Asset Finance Working capital (Housing) Minimum $50, Average $200, Maximum $1,000  3 months to 18 months  Joint liability Group Guarantees; Cash collateral; household assets and livestock  Daily; Weekly; fortnightly, monthly; bi-annually  Up to 4% per month  2% -5 %once off upfront  10% of loan amount – JLG  Reducing balance  1% of Loan amount per annum  1%

Micro Enterprising

Product Name
Target
Lending model
Loan size
Loan Tenor
Collateral
Repayment frequency
Interest rate
Administration fee
Compulsory savings
Interest Calculation method
Life insurance
Economic activities ECG
Micro Enterprising Marginalised women in the Urban areas Asset Finance Working capital (Housing) Minimum $50, Average $200, Maximum $1,000  3 months to 18 months  Joint liability Group Guarantees; Cash collateral; household assets and livestock  Weekly, fortnightly, monthly  Up to 4% per month  2% -5 %once off upfront  10% of loan amount – JLG  Reducing balance  1% of Loan amount per annum  1%

SME Women

Product Name
Target
Lending model
Loan size
Loan Tenor
Collateral
Repayment frequency
Interest rate
Administration fee
Compulsory savings
Interest Calculation method
Life insurance
Economic activities ECG
SME Women Established SMEs – mostly formally registered Asset Finance Working capital Invoice discounting Order Finance Minimum $500, Average of $1,500, Maximum $20000  3 months to 36 months  Guarantor, Movables – motor vehicles, machinery; Immovable – Land and buildings title deeds  Weekly, fortnightly, monthly  Up to 4% per month  2% -5 %once off upfront  10% of loan amount – JLG  Reducing balance  1% of Loan amount per annum  1%

Personal

Salaried Women
(Emergency, Wedding, Holiday)

Product Name
Target
Lending model
Loan size
Loan Tenor
Collateral
Repayment frequency
Interest rate
Administration fee
Compulsory savings
Interest Calculation method
Life insurance
Economic activities ECG
Personal Savings Salaried Women individuals, Pensioners, Property owners against rental receivables Asset Finance Personal loan(Housing) Minimum $100, Average of $250, Maximum $1,000  1 months to 24 months Guarantors; Letter of undertaking from employer Monthly 4% – 10% per month 3% – 5% once off upfront Case by case  Reducing balance  1% of Loan amount per annum  1%

Blooming Student

Product Name
Target
Lending model
Loan size
Loan Tenor
Collateral
Repayment frequency
Interest rate
Administration fee
Compulsory savings
Interest Calculation method
Life insurance
Economic activities ECG
Blooming Student Students under the care of a woman Asset Finance Student loan Minimum $100, Average of $250, Maximum $1,000 1 months to 24 months Guarantors; Letter of undertaking from Parents or Guardian Monthly 4% – 10% per month 3% – 5% once off upfront Case by case  Reducing balance  1% of Loan amount per annum  1%

Associations

SACCOS

Product Name
Target
Lending model
Loan size
Loan Tenor
Collateral
Repayment frequency
Interest rate
Administration fee
Compulsory savings
Interest Calculation method
Life insurance
Economic activities ECG
SACCOS Women in Groups operating a Savings and Credit Club Asset Finance Working capital Minimum $100, Average $250, Maximum $1,000 3 months to 18 months Guarantees; Cash collateral; household assets and livestock Weekly, fortnightly, monthly 4%-10% once off upfront 3.5%- 5% once off upfront 10-25% of loan mount  Reducing balance  1% of Loan amount per annum  1%

GROUPS /Clubs and Societies

Product Name
Target
Lending model
Loan size
Loan Tenor
Collateral
Repayment frequency
Interest rate
Administration fee
Compulsory savings
Interest Calculation method
Life insurance
Economic activities ECG
GROUPS /Clubs and Societies Women in social groups working on a community project, burial groups or ROSCA Asset Finance Working capital Minimum $100, Average $250, Maximum $1,000 3 months to 18 months Guarantees; Cash collateral; household assets and livestock Weekly, fortnightly, monthly 4%-10% once off upfront 15-25% for SACCOS 3.5%-5%  Reducing balance  1% of Loan amount per annum  1%