1- Amal Individual:
A credit targeting the micro entrepreneurs.
Credit Size (YER): 10.000 – 50.000 (50-250 $)
Credit Duration (months): 10 ; 8 ; 6 ; 4
2- Sharakat:
A credit targeting the public and private entities' employees.
Credit Size (YER):20.000 – 500.000 (100-2500$)
Individual Credits' Requirements:
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A Yemeni citizen, and his residence or project located within the bank area of operations.
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Older than 18 years old.
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Has a valid ID card.
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Eligibility and experience to get the credit.
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He is not a client of any of the MFI's.
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A person of good repute.
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Has his own house or living in the house for not less than 3 years if rented.
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Able to provide guarantee.
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The credit requested matches the project needs.
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An employee of the entity which has a partnership with the bank (For Sharakat Clients).
Credit Duration (months): 18 ; 12 ; 8 ; 6 ; 4
3- Masharia:
A credit targeting the microentrepreneurers, in all sectors (agricultural, trade, service, or manufacturing).
Credit Size (YER): 50.001 – 200.000 (250-1.000 $)
Credit Duration (months): 18 ; 12 ; 8 ; 6 ; 4
4- Estithmari:
A credit targeting the small entrepreneurers, in all sectors (agricultural, trade, service, or manufacturing).
Credit Size (YER): 200.000 – 800.000 (1.000-4.000 $)
Credit Duration (months): 24 ; 18 ; 12 ; 8 ; 6 ; 4
Masharia and Estithmar Credits' Requirements:
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Having a profitable SM project, with a minimum of 6 months in business.
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Having no liabilities that would make him/her unable to pay the credit back.
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Payment should be according to the bank credit scale.
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Credit offered as per the scale, taking into consideration the nature of the SM project and the owner's experience.
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Able to provide required guarantee.
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Accept conducting a feasibility study of his SM project.
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