Individual Lending Methodology

Individual Lending Methodology

Loans are extended using the Individual Lending Methodology, which depends on marketing by trained loan officers who are able to explain the program and its policies and benefits.  These loan officers also conduct a financial assessment of the client's activities based on cash flows and other factors, to recommend a loan amount that fits the needs of the business and the client’s ability to repay. 
Individual entrepreneurs apply for, receive and are responsible to repay their loan. 

Dokani Loan (My Shop in Arabic)
This program is directed at male and female entrepreneurs who conduct their business from a shop either owned or rented and are engaged in productive, commercial, or service activities and who are in need of small loans to enhance their growth potential.

The Dokani loan size starts from as low as 1,500 EGP up to a maximum of 50,000 EGP. Individuals have the option of pursuing repeat loans, which can increase in size depending on the financial assessment which measures their business needs and their ability to repay.

Every Dokani loan comes with Hemayet Lead Microinsurance Program that offers both hospital and life benefits (read more).

Women's Individual Loan
Turning our vision into reality Lead developed this tailored program to suit the needs of ambitious female microentrepreneurs who work from home or manage a shop but do not qualify for Dokani. This also suits female clients who graduate from the Group Lending Methodology due to their efficient use of their loans and their business sustainability.
The program loan size starts from as low as 1,500 EGP and will increase in size depending on their financial performance and needs up to a maximum of 10,000 EGP.

Every Women’s loan comes with Hemayet Lead Microinsurance Program that offers both hospital and life benefits (read more).

Home Based Activity Loan
Lead created this program for men who are engaged in productive, commercial, or service activities who work from home and do not qualify for Dokani.  
The program loan size starts from as low as 1,500 EGP depending on the client's financial performance and needs up to a maximum of 10,000 EGP.

Every Home Based Activity loan comes with Hemayet Lead Microinsurance Program that offers both hospital and life benefits (read more).

Other Programs