J-Hela Loans

 As a J-Hela member start saving in your personal or cluster savings account today and qualify for an easy loan.

Types of Loans

Group/Cluster:

This is the loan given to groups to carry out a common project or buy a common asset eg. a piece of land, farm machinery, etc

Individual loan within a cluster:

This is a loan given to an individual in a group.

Personal loan:

This is an individual loan given to a person who may not be a member of a group/cluster

NB: In case of a personal loan the loan applicant can receive three times of their savings as long as they find guarantor-ship for 2/3rd of the loan applied. The applicant and guarantors must agree on the commission rate.