It is a loan product designed to meet the credit needs of women in the retailing and wholesaling of mostly foodstuff and other household essential items. It is designed to address the inability of these women to provide collateral security to access credit.

The Loan is guaranteed by the whole group who are jointly and severally liable in case of a member's default. A refundable partial cash collateral of 10% to 15% that attracts interest is deposited in group's account by members.

Each cluster has a designated day that they meet for new group registration, orientation and loan repayments. Each cluster has a Market Queen who assist in the screening of new groups and recovery of loans.

Each Group consisting of minimum 3 and maximum of 7 is voluntarily formed by members. The loan tenor is 24
weeks/ 6 months. Loan amount is minimum of Ghc 500 to a maximum of Ghc 5,000 per an individual.

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