This loan is available for a member who has no other outstanding development loan and is applying for the first time. The loan is granted 4 times members savings. The interest rate 1% per month on reducing balance.

applicable where a member has a Normal loan and not able to finish his project, but can still qualify for an additional loan under the Sacco policies. The loan is granted 4.5 times members savings. The interest rate 1.04% per month on reducing balance.