Target clients and main financial services

ProCredit banks also focus on serving private individuals who appreciate modern banking services, who have the capacity to save and who prefer to do their banking through electronic channels. Therefore, we have designed a range of accessible savings facilities with transparent interest rates and we train our Client Advisers to talk with clients about the benefits of saving. Local savings mobilised in this way also provide a stable source of funding for our business lending activities.

Nevertheless, we refuse to engage in misleading advertising, we do not offer inflated interest rates, and we assess the seriousness of our savings clients and verify the legitimacy of their income. We apply lending standards that include assessing repayment capacity and analysing credit risk, with the aim of supporting financial inclusion and reducing the risk of client over-indebtedness.