Saving Products
Voluntary saving products
• Ordinary Saving
• Time Deposit
• Tesfa Child Saving
• Box Saving
• Institutional Saving
• Housing Fund Saving
compulsory Saving
• Pre Loan Saving
• After Loan Saving
Loan Products
• Individual Loan
• Short Term Loan
• Group Loan
• Housing loan
• Clean Energy loan (CET Loan)
• Small and Medium
enterprise Loan (SME loan)
• Micro and Small Enterprises Loan (MSE loan)
• Water, Sanitation and Hygiene Loan (WASH loan)
• Women Entrepreneurship Development Program (WEDP loan)
Credit Life Insurance Services
This financial product designed for non-collateral backed loans.
According to this product LMFI will offset outstanding balance of the loan except arrears if death of borrower/policyholder occur.
Priconditions for Loan Access
· Age Requirement: Applicants must be at least 18 years old and actively engaged in income-generating activities.
· Residency and Identification: Applicants must reside within the operational area of the institution and possess valid identification cards confirming their residency.
· Business Engagement: Those involved in business activities must possess a valid trade license.
· Loan History: Applicants should not have any outstanding or unsettled loans with any financial institution.
· Guarantee or Collateral: Applicants must be able to provide either personal or group guarantees, or collateral as per the institution’s requirements.
· Income Source: Applicants must demonstrate a reliable source of income to ensure repayment of the loan.
· Savings Commitment: Applicants must show a willingness to save through upfront and regular savings.
· Good Conduct: Applicants should have good behavior within the community.
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