• Group Lending

• Small Business Loan 
• Success Loan

• Business operation
• Business extension

• Low Income People
• Micro Enterprise which has been running legally

• 12 months

• A least (1) year with current employment
• Applicant must be Myanmar nationality whose age is between 18-60/65 years old.
• Permanent resident in existing village/ ward (OR) at least over 3 years living in the current township

• Family Guarantee – Must be over 18 years old Myanmar Citizens (Prefer Employed Person)
• Group Guarantee 

• 28% p.a. (Bases on any changes made by FRD or related government bodies)

Interest Calculation

Method

• Annuity (EMI)

• 1.5% on Approved Loan Amount

• 0.5% on Approved Loan Amount

• First Time – 5% on Approved Loan Amount
• Second & Onwards – 1% on Approved Loan Amount

• 10% of Principal

• 2% on total prepaid Principal (Partial/ Full Amount)

• Min 1.5 times

• Max 2 times

• At center 

*As per the loan amount of whole center, respective authorized person to lead the disbursement as below:

• Up to 3 mil – By CDO
• 3 to 5 mil – By ABM
• 5 – 10 mil – BM
• Above 10 mil – RM

  (*GM will join occasionally)

• Money Transfer Agent 
• Bank Account Transfer

• Repayment Frequency will be chosen by OKM MFI/ offered to the clients as per specific Township (Based on the recommendation of Local authority and majority types of businesses in such territory. Options are as below;

• Group Loan CDO collection
• Money Transfer Agent 
• Bank Account Transfer

• Based on Repayment Frequency of each center, meetings follow up to be as below;

• Any OKM MFI branch

• (1) week from loan approval has been officially informed to client by LO.