Our financial product will be targeted at micro-entrepreneurs who are traders and include:

•  Vendors located in markets, on the sidewalk, at school gates, etc.,
• Informal, Commercial Importers (ICIs)

There are four basic assumptions that are fundamental to this loan product:

1.  The loans are to meet working capital and limited fixed assets needs
2. The micro-enterprises have a relatively high turnover; therefore, loan terms will be relatively short,
3. Micro entrepreneurs will borrow more than once in a year

This loan plan is targeted at micro-entrepreneurs who fall into the manufacturing and agro-processing industries. Manufacturers would include, but not limited to;

• Craft producers.
• textile and leather producers,
• Furniture manufacturer, steel crafter etc.
• The building, Construction, Block Makers.

The following are the critical assumptions that influence this loan product:

1. Enterprises in the sector have relatively slower turnover than their counterpart in the trade and service sectors, therefore loan terms are longer.
2. Loans are to meet both working and fixed assets

This loan product is targeted at micro-entrepreneurs who fall into the service sector and include:

•  Hairdressers/ Barbers, Nail technicians
•  Gardeners,
• Photographers/ Videographers,
• Shopkeepers, Cooks/ Restaurateurs,
• Shoemaker/ Cobbler etc.

The assumptions underpinning this Loan product includes:

1. Loans are to meet both working and fixed assets needs
2.  Longer loan terms for loans to finance fixed assets. This is due to the fact that turnover would be generally slower than that of the traders.
3.  Conditions apply- outside of range loans will be provided at a 70:30 ratio

This loan plan is targeted at micro-entrepreneurs who fall into the Agriculture sector and would
include:

• Produce farmers (planting of food crops, flowers, herbs & spices, etc.)
• Cattle farmers (rearing goat, pig, chicken, and egg production etc.)
• Fisherfolks
• Agricultural input suppliers
• Agribusinesses
•  Agriprocessors

The following are the critical assumptions that influence this loan product:

1. Longer loan terms for fixed assets due to the seasonal peculiar nature of the sector,
2. Loans are to meet both working and fixed assets
3. Loan size for production activities would be dependent on an approved cost of production
4. Loan terms may be tied to the life cycle of the product or farming activities (see schedule of possible activities within a category)

Option 1: An Employed Guarantor Requires

Option 2: Security Item