Group Lending
Financial inclusion through collective borrowing power.
Group Lending empowers savings groups, cooperatives, and self-organized community teams to access formal credit without requiring individual collateral. Members back each other through a shared commitment, enabling inclusive access to capital for economic and social development.
Core features:
- Peer guarantee replaces traditional collateral
- Group-based credit scoring improves trust
- Training included on loan use and repayment
- Encourages mutual accountability and discipline
- Suitable for women’s groups, farming units, and SACCOs
Who benefits:
Ideal for rotating savings groups (VICOBAs), youth cooperatives, community women’s initiatives, and other grassroots associations seeking small business capital or emergency funds.
Process overview:
Groups register and receive orientation on lending rules. After review of group savings and leadership structure, a loan package is approved. Members receive funds individually but repay collectively, with regular reporting and progress monitoring from our field officers.