A substantial portion of NationGrowth’s collateral from clients will be created by training and guiding our clients to develop personal discipline (the focus of the first of the company’s 12 tenets), mutual trust, group and individual accountability and transparency in behaviour and with transactions. Women entrepreneurs will be sought out and encouraged.

Borrowers will graduate up the loan amount hierarchy (from J$10,000 to J$500,000) based on the growth and size of their businesses and quality of their repayment record. All borrowers will be encouraged to put aside some cash in order to increase their wealth and independence.