DEMOS LOAN PRODUCTS

GROUP LENDING (rural areas):

Clients participate in solidarity groups serving as a co-guarantee mechanism. Within a group, each client receives a loan. When choosing members for a solidarity group, individual members need to understand that the entire group is liable if a member defaults on their loan. Under these circumstances, it is of utmost importance that clients choose trustworthy members who will not jeopardize their future access to credit.

–         Group size ranges from 3-5 members.
–         Groups are self-selected.
–         Loan is to be used for individual’s own or family business.
–         Business idea viable, supported by business plan and independent business assessment performed by loan officer.
–         Family risk minimized. No more than 2 members from the same household in the same group.

AGRICULTURE LOAN LOANS FOR COWS SHEEP LOANS

INDIVIDUAL LENDING

Individual applicants must provide guarantees equivalent to 110% of the loan amount. Three types of guarantees are accepted: signed bank checks, prohibition on salary and prohibition on pension

CONSUMER LOAN SMALL AND MEDIUM ENTERPRISE LOANS

BUSINESS DEVELOPMENT SERVICES:

Demos was one of the first microfinance institutions in Central and Eastern Europe to implement business development services. Besides offering business training to its clients, Demos is also facilitating market linkages in several sub-sectors. Click one of the links below to find out more!

Pršut Dairy Agricultural equipment

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