This product is offered to graduates of the Group Loan Product as well as those who have documented collateral to secure a personal loan. Once our group loans clients reach the last cycle of their group loans, we give them the option of graduating to Individual Loans. This acts both as an incentive and boost to perform well during the group stage considering that interest on individual loans is lower and a number of clients prefer individual to group loans. This product also compels potential clients to document assets since they know that without documented assets, they cannot benefit from such services.

This is therefore a product that not only addresses the financial needs of the clients but also allows them to develop and document potential assets