1. Members only are the primary beneficiaries of any of our services and Opportunities.
2. Members can borrow more than 200% of their total savings.
3. Payment is made through members’ salaries or business income or as agreed with the member.
4. To access any lending partner, you must be registered with the cooperative and make regular contributions for a minimum period of six months. The minimum share capital must have been paid in full.
5. Personal and business loans help members save money and repay the loan over a reasonable period of time at a fair and fixed interest rate.
6. Loans are guaranteed at a fixed cost to the eligible member.
7. There are no hidden fees or transaction fees.
8. Payment terms are appropriate to your circumstances or your business cycle.
9. Regular savings are recommended.
10. Members can pay additional amounts on loans, as long as the full value of the loan is repaid within the specified period. However, in case of non-compliance, there will be a penalty.