The loan is tailored to those members with adequate savings and are not desirous of looking for guarantors for the loans applied.

1. Repayment period:  12 months
2. Up to 80% of the shares
3. Interest rate 6% per annum
4. Shares must not be attached to any liability

This loan shall be granted under the following conditions:

• If a member is out of payroll
• For a business and or non-salaried people
• Any other member that the management may deem fit,

6. If a loan is not serviced for at least three consecutive months, the loan plus interest accrued shall be recovered from the deposits. All other terms of withdrawal shall apply for such a member.
7. Maximum repayment period is 12months.