JISLAH

Financial Services Ltd.

Wednesday, June 19, 2013

Individual Loan

This is structured to enable salaried workers of reputable organizations and individuals to access loans for their personal needs or commercial activities. They specially designed for salaried workers or individuals with a regular source of income.

Our esteemed clients may choose from the underlisted range of Jislah Personal loan packages depending on their needs and lifestyle. Click to view requirements and terms.

Adanfo Pa Loan

Jislah Financial Services Limited provides loans to contributors to the SSNIT Informal Sector Fund (SISF). A percentage of the applicant's total contribution serves as collateral.

This is a collaboration between JISLAH and the SISF.

Requirements

  • Applicant must have a regular source of Income
  • One (1) passport Size picture endorsed by applicant
  • Statement of Account and recommendation letter from SISF (SSNIT Informal Sector Fund)
  • Copy of a valid national ID (e.g. Passport/Voter ID/National ID/Driver's License/NHIS Card)
  • Inspection visit to applicant's work place and residence
  • Sales record book (for traders)

Repayment

  • Loan repayment period is 6-12 months
  • Repayment by Post Date Cheques is preferred by Jislah if applicants has a banking culture

Application

Excel Loan

 

 

 

 

 

This product is tailored to provide quick, fast and reliable loans to salaried workers of reputable financial institutions to meet their personal commitments.

Requirements

  • Applicant must be an employee of a reputable financial institution
  • Personal guarantee by a senior colleague from the same institution (unless otherwise approved)
  • Must be a confirmed staff
  • Maximum Loan amount of GH¢ 5,000 (Five Thousand Ghana Cedis) unless otherwise approved.

Applicant and guarantor must provide the following;

  • Three (3) months current pay slips from applicant and One (1) month pay slip from guarantor.
  • Bank Statements for the last Three (3) months
  • Inspection visit to applicant's work place and residence
  • Passport Size photo endorsed with name, signature and date
  • Copy of employment ID and any other valid national ID (e.g. Passport/Voter ID/National ID/Driver's License/NHIS Card) for both applicant and guarantor.
  • Posted cheques after loan has been approved from applicant and guarantor - cheques should correspond with that salary passes through.

Repayment

  • Maximum Loan repayment period is 6-12 months
  • Repayment must be by Post Date Cheques.

Application

Personal Loans (Unsecured)

This product is tailored to enable anyone with a regular source of income but without a collateral to offer, to access a loan facility for their personal needs.

Requirements

  • Guarantor should be a Senior Bank Official of Managerial Rank
  • Guarantor to give a Personal guarantee
  • Maximum Loan amount of GH¢ 3,000 (Three Thousand Ghana Cedis)

Applicant and guarantor must provide the following;

  • Three (3) months current pay slips from applicant and One (1) month pay slip from guarantor.
  • Inspection visit to applicant's work place and residence
  • Two (2) Passport Size photo endorsed with name, signature and date
  • Copy of employment ID and any other valid national ID (e.g. Passport/Voter ID/National ID/Driver's License/NHIS Card) for both applicant and guarantor.
  • Proof of identity with a utility bill or tenancy agreement if residence is rented
  • Posted Dated cheques from applicant and guarantor from checked out bank accounts.
  • Provision of Six (6) Months Bank Statement and Sales Record Book

Repayment

  • Maximum Loan repayment period is 6 months
  • Repayment must be by Post Date Cheques.

Application

Personal Loan (Secured)

This product is tailored to enable anyone with a regular source of income to access funds for personal/business needs. This package requires a collateral.

Requirements

Applicant and guarantor must provide the following;

  • Three (3) months current pay slips from applicant and One (1) month pay slip from guarantor.
  • Inspection visit to applicant's work place and residence
  • Two (2) Passport Size photo endorsed with name, signature and date
  • Copy of employment ID and any other valid national ID (e.g. Passport/Voter ID/National ID/Driver's License/NHIS Card) for both applicant and guarantor.
  • Proof of identity with a utility bill or tenancy agreement if residence is rented
  • Posted Dated cheques from applicant and guarantor from checked out bank account.
  • Provision of Six (6) Months Bank Statement and Sales Record Book

Repayment

  • Maximum Loan repayment period is 6-12 months
  • Repayment must be by Post Date Cheques.

Application

Employer Assisted

This product offers reputable corporate bodies the opportunity to assist their staff in accessing loans for their personal needs.

Requirements

  • Applicant Must be employed by a reputable institution
  • Loan amount shall be equal to applicant's Provident Fund (PF) if available (in the absence of a PF, a quarantee from a colleague with post dated cheques must be provided)
  • Applicant must have been confirmed
  • A letter of introduction from applicant's employer
  • A letter of undertaking from applicant's employer (to be signed by: the CEO, MD or Financial Controller)
  • Maximum loan amount is GH¢ 3,000 (Three Thousand Ghana Cedis)

Applicant and guarantor must provide the following;

  • Three (3) months current pay slips from applicant and One (1) month pay slip from guarantor.
  • Inspection visit to applicant's work place and residence
  • Two (2) Passport Size photo endorsed with name, signature and date
  • Copy of employment ID and any other valid national ID (e.g. Passport/Voter ID/National ID/Driver's License/NHIS Card) for both applicant and guarantor.
  • Proof of identity with a utility bill or tenancy agreement if residence is rented
  • Posted Dated cheques from applicant and guarantor from checked out bank account.
  • Provision of Six (6) Months Bank Statement
  • Proof of income supported by three (3) months current pay slips

Repayment

  • Maximum loan repayment period is 12 months
  • Repayment must be by Post Date Cheques.

Application

Auto Loan

This facility is provided for anyone with a regular source of income to help them acquire vehicles for personal or commercial use.

Requirements

  • Should have worked with your present employer for at least one (1) year.
  • Pro-forma invoice of vehicle of choice.
  • The vehicle of choice should not be more than seven (7) years.
  • Loan to be granted for a period of between 36 to 60 months unless otherwise approved (Age of vehicles determines duration).
  • Applicant can access between 60% to 70%of the value of vehicle depending on the age of the vehicle.
  • Applicant would pay 30% or 40% of the value of the vehicle upfront.
  • To register and insure vehicle comprehensively in the name of JISLAH Financial Services Limited, during the duration of the loan facility, JSFL may insure the vehicle at high rate and bill the client if he fails to produce a renewed comprehensive insurance certificate on the due date.
  • Amount depends on net salary/income and loan duration (Not more than GH¢ 20.000.00)
  • Two (2) passport size pictures endorsed; name, signature, date.
  • Provision of form of identity (New Driver's License, Voter ID Card)
  • Proof of identity with utility bill / Tenancy agreement if residence is rented
  • Provision of six (6) months Bank Statement & Sales Records Book
  • Inspection of residence, business places, etc.
  • For salaried workers, provision of the latest 3 months payslip
  • Collection of post dated cheques from Applicant & Guarantor from checked out Bank Account.