Group Loans
Finance designed for organised groups and group-based enterprise and agricultural activity.
- Group Enterprise
- Group Agribusiness
- Agricultural Value Chain
Financial Solutions
Loan options for different financial needs.
ENCOT Microfinance provides loan categories supporting groups, education, agribusiness, housing, businesses, eligible staff and digitally enabled access.
Loan Categories
Seven broad categories serving customers and enterprises.
Explore the category closest to your need. Product terms, eligibility, amounts, repayment periods and requirements should be confirmed with ENCOT before applying.
Education Finance
Support for education expenses, institutions, suppliers and teachers.
- School Fees
- School Development
- School Suppliers
- Teacher Salary
Digital Loans
Loan access through ENCOT-approved online and digitally enabled channels.
- Online Loans
Agribusiness Loans
Finance supporting agricultural production, processing, produce trade and harvesting.
- Agro Production
- Agro-processing
- Agro-produce Trade
- Sugarcane Harvest
House Improvement Loans
Financing supporting eligible housing construction and improvement needs.
- House Construction
Working Capital Loans
Financing for businesses, personal development, salary-related needs and rent financing.
- Individual Business
- Personal Development
- Salary Loan
- Rent Financing
Staff Loan
Staff lending designed for eligible employees under applicable ENCOT terms and requirements.
- Staff Loans
Confirm current terms before applying
Loan availability, eligibility, pricing, repayment periods and supporting requirements may vary by product and customer circumstances. Contact ENCOT for current guidance.
Start with the financial need you want to address.
Choose a Category
Identify the loan category closest to your business, household, agricultural, education or other financial need.
Review the Product
Read the available product information or contact ENCOT for clarification on current requirements.
Submit Your Request
Begin a preliminary loan application and provide accurate contact, income, enterprise and loan-purpose information.
Ready to explore a loan application?
Start a preliminary application or contact ENCOT Customer Care for guidance on the product that may best match your needs.