Loans
Basic Criteria for all Loan Applicants
1) Must estabilish a savings program - at least 3 months savings and disclosure of other banking connection
2) Stable Employement Status - Disclosure of Academic Qualification, Income, Personal Experiences and Know-how, References etc..
3) Strong Financial Position - List of Assets and Liabilities ( both Personal & Business etc..)
4) Ability to produce good Business Plan - Including evident and supporting documentation
5) Must have adequate security cover - Chattels, Leasehold land, Savings Scheme, Life InsurancePolicy, Term Deposit, Undertaking etc...
6) Interest Rates (all variables), Loan Term, Repayment Schedule and Bank Fees including other Loan Covenants to be discuss during interview and processing stage.

Business Loan - (All business related activities): L7
• Retail and Wholesale Business (For Sole Trader, Partnerships, Companies, Non-profit Organization etc..)
• Finance stock, Lease, New building and Office, Working Capital etc...

Tourism Loan: L18
• Construction of Unit Accomodation, Guest House, Restaurant, Cafe and Related services
• Tour Guide and Service Tranport (Motor Vehicle, boat etc...)
• Working Capital for Marketing, Advertisement etc...

Fishing Loan: L2
• Purchase boat, Outboard Motor, Fishing Gears and Working Capital etc...

Agriculture Loan: L1
• Agriculture loan - purchase tractor (new and used), Implement & Accessories, Fertilizer, Working Capital, Extend Finance Hydroponics etc