"BEcome a part of a growing community"

• Save money regularly
• Access low-interest loans
• Share profits at the end of each cycle

Malu Capital enhances this model with professional oversight, digital tracking, and financial training, ensuring security and sustainability.

• Group Formation: Members form groups of 10 - 30 people within the same community and adopt a structured constitution.
• Regular Savings: Members contribute fixed savings weekly or monthly, building a shared investment fund
• Access to Microloans: Members qualify for loans to support a small businesses, agriculture & farming, school fees, and emergencies.
• Interest Growth: Interest earned on loans increases the group’s fund, benefiting all members.
• Profits Share-out: At the end of the cycle, members receive their total savings, plus profits earned.

• No collateral loans (group guarantee model)
• Affordable microfinance solutions
• Community-based financial empowerment
• Transparent savings and record keeping
• Professional financial oversight