Executive Summary

We provide accessible, short to medium term credit facilities to individuals, salaried employees, pensioners, and small businesses that may have limited access to the traditional bank financing. Our primary mandate is to promote financial inclusion by offering responsible, affordable, and transparent lending solutions that help clients meet personal, educational, medical and emergency needs. We operate by assessing the borrowers ability to repay, approving loan applications based on affordability and credit worthiness,and disbursing funds under agreed loan terms. Repayment are typically made through salary deductions (deduction from source), bank debit orders, or other agreed payment arrangements. Lenders earn income from interest and other fees charged (Non interest revenue egg administration fee) in accordance with applicable laws and regulations of Non Bank Financial Institutions Regulatory Authority and Botswana. We are required by law to comply with Botswana financial services and consumer protection legislation, including licensing requirements where applicable, responsible lending practices. Our organization is guided by credit and operational manual, delinquent policy AMLCFP policy. Registered GoAML. Overall, the role of our organization is to provide responsible financial support that contributes to economic empowerment, improved households welfare and growth of small