1. General Loan:
A client is eligible to get the General Loan after group recognition test conducted by the NMBMF representative. The initial loan amount will be disbursed in 3:2 ratios per group. Any kind of income generating business can use this loan.
2. Discipline Loan:
This loan is given to those clients who have used their first loan cycle of general loan with a business in hand along with who have maintained strong credit & center discipline and have improved economic condition of the family from her previous loans. Loan amount will be decided by NMBMF representative.
3. Alternative Energy Loan:
This loan is given to the clients to use bio-gas plant, solar power etc. NMBMF offers this loan to those clients who have livestock and have utilized General loan with good repayment performance. The loan can be given with collateral and without collateral. This loan can have maximum coverage of 80% of any investment of the client’s alternative energy investment.
4. Emergency Loan:
This loan is disbursed in the emergency situation to the client who are affected by any natural disaster, accident and in the state of serious illness ( in case of Hospitalization). NMBMF offers this loan to only those centers having good transactional records and are affected by above mention incidence.
5. Micro Enterprises Loan:
The clients are eligible for this loan who have taken general loan, maintained strong credit & center discipline, have improved economic condition from previous loans, willing to contribute at least 20 % equity (10% cash and 10% in-kind), submit collateral, and demonstrate an ability to operate a micro-enterprise.
6. Foreign Employment Loan:
This loan is provided for the family member of the client to go for foreign employment. NMBMF offers this loan to those clients who have utilized General loan with good repayment history. This is collateral based loan.
7. Hydropower Share Loan:
Since many hydropower stations are under construction in Nepal, this loan is disbursed to those members who are willing to invest on the hare of Hydropower companies in their district. For non-members this loan will be given on the deposit of receipt of share form and share certificate in the organization
8. Disaster Relief Loan:
This loan is given to those members who are directly affected by the natural disasters like earthquake, landslide, flood, fire and other disasters and calamities. This will help the members to heal quickly and support in restoration from the aftermath.
9. Home Loan:
This is collateral based loan given to those clients who want to build a new home or rebuilt old home. This loan is given to those clients who have utilized previous loan with good repayment history.
10. Education Loan:
This loan is disbursed for those clients who wants their children to study the technical subject like ANM, CMA, Engineering, Computer and Electronics related subjects. This is collateral based loan given to the clients who have utilize previous loan with good repayment performance and must submit the subject related document.
11. Domestic Loan:
This loan is given to our members to sort out their instant household needs like festival celebration, seasonal business, children’s expenses, utensils purchase etc.
12. Easy Business Loan:
Easy Business aims to cover the entrepreneur persons of our branch locations. This loan is provided to small and medium level entrepreneur to enhance their business and who are too busy to attend the group meeting.