The Group Loan Program


Sample icon1 This program is a convenient and easy financing mechanism to empower those with no capital.

The Organizational Loan Program (OLP)

Sample icon 2 We work with local organizations in order to form partnerships for achieving the program’s goal.

Rotating Credit for Schools (RCS)

Sample icon 3Aimed at improving schools infrastructure.In Eastern DR Congo most schools are in very poor conditions.

The In-Kind Loan Program (ILP)

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The In-Kind Loan Program (ILP): This program is a convenient and easy financing mechanism to enable poor men and women with no capital to build up working capital by selling goods mostly used clothing that they take on loan from this program. This is a Group Loan ( 5 to 10 members) with the group as the only callateral required.

In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a ‘group guarantee’ (sometimes called ‘joint liability’). Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or defaults.

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