JIKO-GAS LOAN

• Saves upto Kes 2,000 on Makaa.
• Most Durable and efficient 

• All our unfunded clients or already funded but they have some home needs to attend to.

• Loan product whose purpose is to finance our clients needs at home by reducing their running costs and to empower them with the current technology.

• All Fadhili and/or none Fadhili members clients.
• Aged between 18-65 years.
• Borrower with a good repayment record 

• Borrowers with Proof of Regular business income or remittance.
• Borrower willing to provide guarantee of repayment and also be guaranteed by at least three Fadhili active members from existing groups.
• All clients who already have businesses or have some reliable sources of income.

• Offering responsiveness loan product for both Fadhili and none Fadhili clients.

• Loan guarantee deposit ratio: No loan guarantee deposit is required.
• Loan cycles for different products are; The 
• Solar system Kshs.12,500
• Stove firewood with Kshs.10,500
• Jiko Bora Mama Yao Kshs.5,750
• Malkia Kshs.5,950
• Jiko Dura(Firewood without Solar)Kshs.5,000
• Solar Tvs 24 inches Kshs.45,000
• OLA ENERGY 6KG Gas Cycilnder Kshs.3,500
• OLA ENERGY 13KG Gas Cylinder Kshs.6,500
• OLA ENERGY 13KG Gas Cylinder with 2 Burner Cookers Kshs.10,000

• Adequate loan amounts to meet all their home needs.

• The repayment period is 1 MONTH

• Enough repayment periods to repay the instalments.

• Weekly meetings

• Enables client to pay in small manageable instalments direct from ones regular Business income or any other sources.

• Three Fadhili active members in the existing active centers and either the centre leader or group leader to approve.
• Household’s items.

• Easy collateral

• 0.5% rebate for good clients on the interest paid at the end of period.

• Reward for good payers

• One week.

• Enables one make timely repayments.

• 20% per month flat rate

• Affordable 

• 4.5% of the amount applied for.

.

• Affordable and fair. No pressure to raise the processing fee as it is deducted direct from the amount to be disbursed.

• Included in the loan disbursement fee.

• No pressure on self/family to repay in case of the covered risks (Death or permanent incapacitation).

• Kshs.100

• Keep track of one’s accounts’ status all the time

• 0.5% per day on instalment in arrears

• Enhances repayment discipline & guaranteed fast subsequent loans

• Brochures and flyers
• Marketing through the existing centers and groups.
• Awareness campaigns during community/Family meetings, youth meetings

• Well informed & knowledgeable customers

• Pens& rulers, T-shirts, Caps, Key-holders, umbrella,

• Incentives

• Fadhili micro enterprises Head-office

• Convenient because it is reachable by all.
• Less costs of transport and time

• “Shirika Lako Manufaa Yako”

• ‘Quicker investment high returns’.

• To be developed from benefits reported by clients as they start enjoying the service.

• To be developed from benefits reported by clients

• To be developed from benefits reported by clients

• Provided on loan disbursement 

• Protects one from penalties and clarity of installments information.

• Copy provided to client and proper signing done during disbursement.

• Ones right

• Positive staff attitude in customer handling
• Very experienced and competent staffs.

• Customer valued as he/she is the reason for our existence.

• Fadhili staffs are efficient
• Maximum of I week needed to process the loan 

• Faster, saves time and the situation at hand.

• 1- 2 pages

• Not tedious

• Simple, clear and easy to understand

• Easy to understand