Use this guide to understand the published basics. Every application remains subject to verification, affordability assessment and approval.
Choose the route that matches your source of repayment—not simply the purpose of the loan.
Lead Farmers, FBOs and VSLAs
Be a Lead Farmer, VSLA or FBO registered on the Pukpara digital platform.
Have an existing formal supply relationship with a partner factory.
Maintain at least a three-month savings record on the platform.
Verified salaried employees
Be permanent staff of an eligible bank, corporate, government agency or Tier 1/2 financial institution.
Provide a verified employment letter and two to six months of payslips.
Keep total debt-service deductions within 40% of net salary.
Complete employer confirmation and a standing-order arrangement.
Provide post-dated cheques and, where requested, a guarantor of the same employer grade or above.
Business owners, including clearing agents and other entrepreneurs.
Business owners, including clearing agents and other entrepreneurs.
The borrower’s credit assessment is considered when setting the facility.
Repayment capacity is considered when setting the facility.
The nature of the financing requirement helps determine the loan amount, pricing and repayment terms.
The published document lists below apply to Farmer Connect and Salary-Backed Loans. Business Loan supporting documents are confirmed directly with the office.
The confirmed Business Loan information does not prescribe a standard document list. For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.
For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.
Responsible lending requires checks that protect both the customer and the institution.
Information must be current, accurate and verifiable.
All applicants complete identity and compliance screening.
The proposed structure must be affordable and sustainable.
Every facility remains subject to credit assessment and approval.
Compare the published pricing and repayment structures before beginning an inquiry.
