Products

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Group Loans

Micro and small loans offered to women groups under a Solidarity Group Guarantee arrangement, following intensive financial literacy and field business appraisal. Only members close to one another with established integrity and whose businesses indicate the capacity to repay the weekly instalment, are invited to join the weekly Loan Group meetings.

Members guarantee one another's full repayment of instalments as they fall due; subsequent loan cycles taken are a proof of business growth and higher credit limits. This business model envisages a 'no default' position (Twenty to Thirty-Two weeks' period loans, with exposure of up to UGX 4,000,000/- (c. USD 1,000)).

Business Loans

Secured loans for a period of up to 12-months to individuals, offered following rigorous field and business appraisal, with recommendation of the Local Council leadership. Support in form of a Guarantor avails additional comfort regarding the exposure. Where applicable, formal mortgage arrangements are put in place for larger exposure levels. Business loan amounts range from UGX 1,000,000 (c. USD 270), depending on a customer's proven repayment capacity

Asset Finance

To meet growing Youth Employment needs, La 'Oli offers a Motor cycle loan product with softer terms, including a longer term period of up to two years and a loan range beginning from UGX 3,800,000/- (c. USD 1,000), depending on the type of motor cycle (including three-wheeler loaders). This business entails an initial deposit/own investment of 10-15% of the loan exposure, to assist with assurance of capacity to repay, from the onset. All vehicles remain under '24-7' Tracker surveillance.

Salary Loans

Customers employed by reputable organizations, able to evidence continuing employment and remittance to clear off loan repayments, can access funds, up from UGX 500,000 (c. USD 133), payable within a period of up to three years.

Logbook Loan

A customer can access funds for a period up to 24 months, using their Motor Vehicle Logbook as loan security. The Logbook must be registered in the names of the loan applicant. A customer can access from UGX 3,000,000 (c. USD 800), to 50% of the current value of the motor vehicle.

School Fees Loans

Maintain a strong academic record: A good academic performance enhances eligibility. Demonstrate a stable source of income: Ensure steady income, preferably from parents.

Emergency Loan Loans

A fast and convenient loan designed to help customers manage urgent financial needs and unexpected expenses.