1.   OBJECTIVE

To finance income generating projects of all small and medium scale enterprises.

2.   PROJECT AREA

Scheme shall be implemented in all provinces.

3.   ELIGIBLE ACTIVITIES

     4.1   Agricultural
     4.2   Industries
     4.3   Fisheries and related activities
     4.4   Transport
     4.5   Trade
     4.6   Animal Husbandry

(Loans are not granted for consumption purpose)

4.   ELIGIBILITY OF APPLICANT

5.1	Applicant should be a citizen of Sri Lanka.
5.2	The relevant project should have been located in the relevant Province.
5.3	Applicant should contribute at least 10% of the total project cost.
5.4	Applicant should be a person within the age group of 18-55 years.
5.5	Applicant should not be a defaulted borrower or a guarantor of a loan obtained from any Financial Institution.
5.6	Should be a project with a repayment capacity and a sound cash-flow.

5.   TOTAL PORTFOLIO

     Rs.1.45 Billion

6.   LOAN AMOUNT FOR BORROWER

     7.6   Maximum Loan Amount                     - Rs. 5,000,000/-
     7.6   Minimum Loan Amount                      - Rs. 200,000/-

7.   RATE OF INTEREST

     On - lending rate for customer                   - 12% per annum

8.   REPAYMENT PERIOD

Repayment period including grace period of maximum 12 months is 05 years

9.   SECURITIES

9.1	Two personal guarantors acceptable to the Bank
	Out of them, one could be a spouse or a parent while the other should be a person with an acceptable source of income.
9.2	Mortgage over a movable or immovable property.
	Securities acceptable to the Bank