Draft policy documentation regarding updated loan-to-savings ratios and modified guarantor requirements under review by committee.
(Draft Internal Review Document)
This document outlines proposed adjustments to the association’s credit framework for the upcoming policy period:
Revision of maximum loan eligibility based on total saved equity (adjusting ceiling ratio from 3x to 3.5x for long-term members).
Updated guarantor validation protocols using verified digital member IDs.
Standardized grace period guidelines for agricultural and seasonal micro-loans.
This draft is currently under review by the credit policy committee prior to member tabling at the upcoming Annual General Meeting.