Loans Products
/ Loans Products
Susu Loans
Our Susu Loan product is designed to reward loyal savers who participate in our daily or weekly susu savings plans. By consistently saving small amounts over time, you build a financial record with Jally Microfinance Company Ltd — making you eligible for quick, affordable loans when you need extra capital.
BENEFITS
- Easy Qualification: No heavy collateral required — your savings history speaks for you.
- Affordable Loans: Competitive interest rates for committed savers.
- Quick Access to Funds: Fast loan approval once eligibility criteria are met.
- Convenient Collections: Our field officers or mobile channels make deposits and repayments easy.
- Build Financial Discipline: Encourages regular saving and creditworthiness.
Why Choose Our Susu Loans
We understand your business cycles and cash flow patterns. Our Susu Loans give you the power to grow your business, handle emergencies, or invest in opportunities — without disrupting your savings habit.
Salary Loans
Our Salary Loan product is tailored for salaried workers who need quick access to funds for personal or family needs. With predictable income as security, we offer fair, transparent loans that are easy to repay directly from your monthly salary.
BENEFITS
- Immediate Access to Funds: Perfect for emergencies, school fees, or home improvements.
- No Collateral Required: Your salary serves as security for the loan.
- Competitive Rates: Transparent interest rates with no hidden charges.
- Predictable Repayments: Fixed monthly deductions make budgeting easy.
Predictable Repayments: Fixed monthly deductions make budgeting easy.
Group Loans
At Jally Microfinance Company Ltd, we believe progress is faster when people move together. Our Group Loan option is a simple, empowering way for friends, colleagues, or community members to access finance as a team. Instead of one person bearing the entire risk, members support one another — unlocking bigger amounts, fairer terms, and shared accountability.
Whether you’re a circle of market women, a cooperative of farmers, or a community of artisans, we help you build collective strength. By pooling trust and responsibility, your group can finance inventory, invest in tools, or grow businesses side by side — all with flexible repayment arrangements designed for real-life cash flows.
This isn’t just lending; it’s community-building. As each group succeeds, members build credit history, financial discipline, and mutual support networks that last beyond the loan. Together, we help you create thriving, resilient businesses and stronger communities.
Business Loans Support
Your business is more than numbers on a page — it’s your passion, your livelihood, and your future. At Jally Microfinance Company Ltd, our Business Loan Support goes beyond simply giving you money. We’re here to stand beside you, understand your challenges, and provide the tools, advice, and flexible financing you need to move from idea to expansion.
We take the time to learn about your trade, your customers, and your ambitions. Then we tailor a loan plan that fits your cash flow and growth stage — whether you’re stocking your shop, upgrading equipment, or opening a new location.
Our support doesn’t end at disbursement. We offer guidance on budgeting, repayment planning, and basic financial management so your loan becomes a stepping stone, not a burden. With Jally Microfinance, you don’t just receive funding; you gain a partner invested in your success.
Let’s build your business together — one step, one goal, one smart financial move at a time.
Agriculture Loans
THE CHALLENGE
Farming drives Ghana’s economy, but smallholder farmers often lack the cash to buy quality seeds, fertilizers, tools, or hire labor at the right time. Missing a season can mean losing a year’s income.
OUR ANSWER
Agriculture Loans from Jally Microfinance Company Ltd give farmers the power to act when timing matters most. We finance everything from inputs to irrigation — so crops are planted, tended, and harvested without delays.
WHY FARMERS TRUST US
- Seasonal repayment terms (no pressure mid-season).
- Loans designed for crops, livestock, or mixed farming.
- Simple application process with local field officers.
- Understanding of rural communities and farming realities.
