This loan is provided to members for educational purposes. Before receiving the disbursement, members must save 10% of the loan amount. The maximum loan amount is capped at 200% of the savings. In cases where savings are insufficient, an additional amount up to 100% of the shares can be considered. The repayment period is limited to a maximum of 6 months. The loan is disbursed directly to the school, and it carries a monthly interest rate of 4%, calculated on a reducing balance basis.