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JYAMBERE SACCOKamonyi
Maize farming · Kamonyi

JYAMBERE · KAMONYI

Preparing a loan enquiry

Prepare a loan enquiry by explaining the purpose, your own contribution and how you would repay when income changes.

Maize farming · Kamonyi
  1. 01

    Explain what the money will do

    List the equipment, stock or activity you want to support, with quantities and costs. Separate start-up investment from everyday working cash.

  2. 02

    Show what you already have

    Record your own funds, equipment, stock and expected receipts. Income and expense records help the SACCO discuss an enquiry using evidence.

  3. 03

    Test repayment capacity

    Test a month with lower income, a late-paying customer or a smaller harvest. Include household needs, other commitments and the full cost of credit.

  4. 04

    Request written terms

    Ask about amount, schedule, security or co-signers, charges and the consequences of late payment. An enquiry does not mean credit is approved.

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