SSF Products
1. Loan Products
A. Agriculture Development Loan
Product Name: Small Farmers Loan

Description: These loans are offered to small cultivators through the Credit Group (CO) . SFL loans are highly seasonal and linked with the wheat, cotton, sugarcane and rice crops harvest. During disbursement and collection of these loans a high percentage of the rural community at targeted districts is involved in planting and harvesting these cash crops. SSF field teams mobilize the local community and organize them in to groups for speedy disbursement and collection. Groups are evaluated on their level of attendance in their fortnightly meetings, attitude, repayment history and contributions to the group saving accounts. A quick loan appraisal is undertaken per borrower, assessing basic income and expenses at each household level.

Purpose of loan: The SFL loans may be taken for the following purposes but are not limited to these: Payment for land lease, Land leveling, Land preparation for cultivation, Purchase of diesel fuel, Procurement of seeds, fertilizers, pesticides or tube well water, Installation of tube wells and turbines or any other activity related to agriculture production.


Loan eligibility: Age 18-60, should have a CNIC, permanent resident of the locality, independent head of household, land holding less than 15 acre.
Loan Amount: Rs.20,000 to 200,000
Financial Income : 23%
Emergency Fund : 1%
Loan duration: 1 to 6 months
Repayment option: Lump sum on crop harvest
Collateral: Group guarantee
Disbursement: To individual

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Last Updated Website as of 30th June 2023

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