=> Loans are given 2.5 or 3 times the members saving and are prepared weekly except for emergency loans which are appraised and distributed as they are registered.
=> Members must have been regular savers for atleast the last six months preceding the first loan application
=> Members should have only one loan of each categor at any given time
=>Loan guarantors must be members and must be witnessed when signing guarantors' section
* Shall be processed as per school calender and repayable within the calender year
* University and college fee loan shall be treated as normal-development loan
* Shall be processed as they come
* Shall be repayable within 12 months or less
* Attract 1% and 2% of loan amount for processing and insurance respectively
* All micro-credit loans shall be accompanied with a dully signed affidavit forms witnessed by a commissioned administrator of oaths
* [Salary based only] must be repaid within the calender year that the loan is granted
* Member must submit a forecasted cash flow for atleast 6 months
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