Micro Enterprises (ME)

This scheme provides financial services to:

  • Individual customers, Micro and Small entrepreneurs who are engaged in:
  • Agricultural and Forest Products
  • Agro-Processing
  • Primary Fabrication and Repairs
  • Traditional Crafts
  • Service Enterprises.


Loan Requirement

  • Applicant shall operate active account with the Bank for at least two (2) months
  • Applicant shall undergo at most two – weeks mandatory credit orientation and education


  • Saving mobilization
  • Record Keeping
  • Credit Management
  • Applicant shall submit a loan application letter
  • Loan methodology shall be Individual basis
  • Applicant shall provide one recent passport size photograph



  • One fifth (1/5) of the loan amount shall be kept in fixed deposit as lien.
  • Persons in good standing shall be used as guarantors for individual entrepreneurs.



  • Repayment shall be by monthly deductions from borrowers’ savings accounts.
  • Individual entrepreneurs shall have repayment period of 10 – 12 months