Our customers want to borrow a small amount of money, quickly and in a manageable and transparent way. They do not want to borrow more than they need.
Customers use their loans to manage their weekly household budget, replace or upgrade domestic appliances, meet school or medical expenses and make special purchases such as Christmas presents and holidays.
The households we serve have average to slightly below average incomes. Our customers are generally between 35 and 65 years old and about 60% are women. They are employed or have a regular, secure income from self employment or pensions. We do not lend to customers whose only source of income is unemployment benefit.
Many new customers have no credit history or may be taking a loan from a financial organisation for the first time. Those who have used credit before may have used store credit to purchase household items or borrowed from friends and family.
Our customers appreciate the fast, convenient and friendly home service our agents provide. The agent calls at the same time every week and saves them having to travel to a bank to make repayments. Our customers also take comfort from knowing that when they choose the agent service, the amount they owe does not increase even if they miss a repayment.