The customers search for the credit mainly for their economic activities, the lodging, the personal consumption and other needs like school fees, etc.
One of preoccupation of CLECAM EJOHEZA Ltd is the good service delivery, satisfaction of the clients and shareholders, the profitability and the sustainability of the institution. A range varied and flexible loan products is an imperative. It is in this regard that the new branch in Kigali should offer to clients these different loan products:

Category Loan Type Details Normal interest rate
1. Agricultural loans “Gira ejo heza Muhinzi” This is a loan disbursed to farmers and can be for several purposes like (pay manpower for cultivating, buy seeds and/or some other inputs, purchase farming equipment, transformation and/or transport of harvest, commercialisation of the harvest etc.)
1.5% per month (reducing balance)
“Tunga” This is a loan for livestock improvement. It is disbursed to clients in farming activities like farm animals growing, transformation, transport and commercialisation of farm animals’ products.
1.5% per month (reducing balance)
2. Commercial loans Working capital loan This is a loan disbursed to clients who want to start their business or increase their working capital in the business.
2% per month (reducing balance)
Small business loan This is a loan for very short time from one day to 30 days and is disbursed to individuals with very small businesses of fruits, airtime cards, restaurants, etc.
This loan cannot exceed RWF 100,000.
4% per month (reducing balance)
 
Emergency loan This is a loan of short time not exceeding three months and is disbursed to clients with urgent need of money in their business (execute an urgent tender, execute a command or execute some work in a tender contract).
4% per month (reducing balance)
3. Social loans Advance on salary This loan is disbursed to the clients for whom the monthly salaries are paid through their accounts held by CLECAM EJOHEZA and are committed to allow CLECAM-EJOHEZA Ltd to withhold the monthly instalment on their salaries for the repayment of such loan.
The term for this loan can’t exceed the term of employment contract of the debtor.
2% per month (reducing balance)
15 days’ advance on salary This is a short time loan disbursed to some clients in the second half of the month when they wait for their salaries. It is disbursed for a period less than one month and it cannot exceed 50% of the monthly salary of the client.
3% per month (reducing balance)
School fees This is a loan disbursed for the client to pay school fees or other matters related to studies.
2% per month (reducing balance)
Emergency loan This is a short-term loan disbursed to clients in urgent situation (illness, death of a family member, accident, natural catastrophe, etc).
2% per month (reducing balance)
Event loan This is a loan for short time and is disbursed to clients with family events like wedding ceremonies or other ceremonies.
3% per month (reducing balance)
4. Construction loan Construction loan This is a loan for clients who want to build new houses, repair or finishing the existing houses.
2% per month (reducing balance)
5. WARRANTAGE Warrantage This is a loan disbursed to farmers with needs of money in case they don’t sell their harvest because they wait for the market price to increase.
Normally, at harvest period, the price fall down as the supply comes abundant.
1.5% per month (reducing balance)
6. Leasing Leasing of equipments This is a loan in the leasing form and can be of in house equipments, farming equipments, motorcycles, etc.
2% per month (reducing balance)
7. Pre-harvest Pre-harvest loan This is a loan disbursed to farmers with needs of money before the maturity of their plants and of course before harvest
1.5% per month (reducing balance)