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Frequently Asked Questions
Enablis Loan Fund FAQ
How do I apply for membership?
What is the process involved in becoming a member?
What are the benefits of being an Enablis member?
What is the cost of membership?
Khula Credit Indemnity Scheme FAQ
What is Khula Credit Indemnity Scheme?
How is it different from existing Khula products?
Who qualifies for this scheme?
How old do I have to be eligible for a loan?
Do I first come to Khula or go straight to the commercial bank?
What personal information or documents do I need to have ready before applying?
What is the procedure when applying for the scheme?
Do all commercial banks know of the relationship with Khula and what if I approach a bank and a consultant doesn’t know about Khula?
Which bank does Khula recommend for quick service?
Do all banks have the same criteria?
The own contribution, is it fixed or can a bank require more from me?
What is the repayment period?
How soon am I expected to start paying back the money?
How much interest is payable once I or if I receive the loan?
Can I use my property if I don’t have hard cash own contribution and what sort of property qualifies?
Will they still require security from me if I have own contribution?
What security does Khula provide and how much?
Which businesses are excluded from the scheme?
How long does the bank take to approve the loan?
How long does it take for the indemnity to be approved by Khula?
What does Khula look at before approving indemnity cover?
Is the indemnity only applicable to the black community?
What are the interest rates?
Does Khula Charge a fee for providing collateral, how much and when do they start charging?
What is the minimum and maximum I can apply for?
If my business does not succeed how does Khula/Bank plan to get back the money loaned to the enterprise?
Will they repossess my belongings?
Do you check my credit profile and what if I’m listed?
I have submitted an application to the bank 5months ago and still have had no response, what do I do and can Khula intervene?
My business plan is viable and has potential but I lack 10%, can a bank still give me a loan and how can Khula help in this regard?
Do I need to have a business account before applying for a loan?
Does the money go straight to my account on approval?
Do I need to have a registered company?
I’m registered as a co-operative can I still access credit indemnity?
I’m registered as NGO can I still access credit indemnity?
I’m currently employed and have a stable job, will I have to leave my job if I get a loan for a new business or can I keep my job until I see that my business has kicked off well.
What is unlimited surityship and can I refuse to sign one at the bank?
Does the indemnity cater for sub contractors?
I have an existing business that I would like to expand but have not finished paying the initial loan, do I qualify to apply for funds from Khula/Bank again?
Can I get the second security from Khula once I have finished paying the first one?
What development impact is the fund expected to have on the economy or on alleviation of unemployment?
Land Reform Empowerment Facility FAQ
What is the Land Reform Empowerment Facility? Is it a loan or a grant?
How is it different from the existing Agriculture fund / Khula Products?
Added Benefits to the LREF Loan?
Who are the partners is this fund and what is their involvement or contribution?
Who qualifies for the fund?
What schemes are available under the LREF?
Does the fund cater for the tourism ventures?
What is agro-processing and Eco tourism?
What is the minimum that I can get when applying for funds?
What is the maximum amount that I can apply for?
Do I come to Khula for the funds and for the grant?
How do I apply for finance?
Will the facility assist me with working capital if I already have the land? If not who can I approach for working capital?
Often own contribution and collateral is requested when applying for a business loan, are these required for the Empowerment fund?
How soon am I expected to start paying back the money? What are the terms?
What personal information or documents do I need to have ready before applying?
How much interest is payable once if I receive the money?
I do not know how to prepare a business plan can Khula assist me for Agricultural venture?
Do I have to pay for the assistance received in putting together a business plan? If so how much?
If my business does not succeed how do you/partners get back the money loaned to the new enterprise?
What developmental impact is the fund is expected to have on the economy or on the alleviation of unemployment?
Business Partners - Khula Start-Up Fund FAQ
What is the Business Partners-Khula Start-up Fund? Is it a loan or a grant?
How is it different from the existing products Khula / Business Partners products?
Non-Bank Retail Financial Intermediaries FAQ
What are RFI’s?
What are the qualifying criteria’s of becoming an RFI?