Savings Mobilisation: rather development of savings culture among the underpriviledged Front Office Services: depositing of cheques, payment of bills, inter account transfers Insurance underwriting agency activity: encouraging the uninsured to take essential covers being for medical (in-patient, out-patient), personal accident, fire and burglary and death/funeral cover. Negotiating lowest premium amounts from reputable underwriters. Micro-jump start loans: specific loans to be used in specific business activity usually not greater than USD30 Group loans: for more steady members who enjoy acceptability in groupings Asset financing/project: involved bi-cycles loan, motor bike loan, water tank loan, water meter loan Insurance premium financing: type of short term loan given to accommodate premium payment at one which is later collected from the assured by instalments. This makes insurance cover to have effect immediately. Vacant land loan: small loan to enable the underpriviledged to hold shares in decent land destined for controlled development Access to alternative business channels (ATM, POS): we have approached various parties for partnerships to enable our members access their accounts through alternative channels being ATMs, POS and most recently signed a pilot agreement with "cloud nine" (UK) to test access to database through individual handsets. Hide