Loans & credit
Lending inside a group: interest, credit scores, repayments, shares and dividends.
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Loans & credit
Bad loans in savings groups: provisions, write-offs and recovery
How a savings group should account for loans that may not be repaid — ageing arrears, simple provisioning rates, the write-off process, and how it affects dividends.
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Loans & credit
Emergency loans vs welfare grants: which should your fund offer?
When a member faces a crisis, should the fund lend or give? How to design fast emergency loans and welfare grants, what each costs the fund, and a simple decision guide.
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Loans & credit
Guarantors in group lending: how they work and how to protect them
How loan guarantees work in savings groups and SACCOs — what guarantors pledge, how much is locked, limits on guaranteeing, and what happens when a borrower defaults.
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Loans & credit
How to set loan limits for members of a savings group
Savings multiples, fund-level caps, liquidity reserves and single-borrower limits — a simple framework for deciding how much each member can borrow, with worked examples.
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Loans & credit
Loan application and approval process for savings groups
A fair, fast loan process for group funds — what the application form should ask, an approval checklist, loan committee rules, turnaround times and disbursement records.
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Loans & credit
How to run loans in a savings group: the complete guide
How to lend to members safely — loan products, eligibility, limits, committee review, interest, repayment schedules, arrears and where the interest goes.
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Loans & credit
Flat vs reducing-balance interest: which should your group use?
Flat and reducing-balance interest explained with a worked example — why a flat 12% costs more than a reducing 12%, and how to choose for your savings group.
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Loans & credit
Fair credit scoring for savings group members (with a simple model)
How to score members' creditworthiness fairly and transparently — five habits, 1,000 points, and how the score sets borrowing limits without favouritism.
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Loans & credit
Shares and dividends in a savings group, explained simply
How savings groups turn contributions into shares, set a share price, and share interest income as dividends — with a worked example anyone can follow.
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Loans & credit
Handling late loan repayments in a savings group
A fair, consistent process for overdue member loans — early reminders, grace periods, penalties, overdue status, restructuring, default and write-offs.