This is a self-improvement loan product advanced to enable members engage in income generating activities as a way out of dependency on the paycheck.

• To access the product, one must have been a member for at least over 12 months and have a running normal loan.
• The loan shall be issued so as the repayment period to end with the normal loan (repayment period 24-35 months) ❖ Interest rate is 1.25% reducing balance.
• There shall be one off 1% appraisal fee on amount applied.

Product shall be issued in adherence to the times three multiplier of deposits.