Group-based loan. Given to individuals in a self-selected group of five to ten individuals who co-guarantee the loans to its members. A non-essential movable asset is pledged by each member against his or her loan. Prior to formal loan application, individuals must attend a half-day training session that covers basic business management. Loans are usually for nine to twelve months, repaid on a monthly basis. Informal business management advice from loan officers is provided.

Individual loan. Individuals must have a personal guarantor and pledge a movable asset against the loan. Loans tend to be from nine to twelve months, with monthly loan installments. Prior to formal loan application, the person is required to attend a half-day training session that covers basic business management. Informal business management advice from loan officers is provided.

Trust bank loan. Self-selected groups of ten or more individuals that co-guarantee loans to its members; targeted to the poor. A potential borrower must attend a one-hour training session for eight weeks prior to receipt of the loan, and bi-weekly meetings during the loan cycle. Loan size is smaller than other products and the loan lasts for six months, with monthly installments.