Afix Micro Lending Ent.
Your Growth Is Our Business

A Susu group is a traditional savings circle where members contribute a fixed amount regularly (weekly, bi-weekly, or monthly) and take turns receiving the total collected funds. At AFIX, we've modernized this concept with digital tracking, transparent management, and secure transactions while maintaining the community spirit.

You can join a Susu group in three simple steps:

1. Create an account on our platform
2. Browse available groups that match your savings goals and contribution capacity
3. Request to join a group and get approved by the group administrator

Alternatively, you can start your own group with friends, family, or colleagues.

Our loan requirements vary by loan type:

• Basic requirements: Valid ID, proof of income, and active participation in a Susu group
• For first-time borrowers: Minimum 3 months of consistent Susu contributions
• For larger loans: Collateral may be required depending on amount

Loan approval depends on your savings history, group recommendations, and our assessment of your repayment capacity.

We take security very seriously:

• All funds are held in secure, insured bank accounts
• Digital transactions are encrypted with bank-level security
• Regular audits and transparent reporting for all groups
• Member verification processes to ensure community trust

We combine traditional community trust with modern financial safeguards.

We have clear protocols for such situations:

• The member should notify the group administrator immediately
• We offer grace periods with possible small penalties (group decides)
• In extreme cases, the member may be replaced with group consensus
• We maintain emergency funds to cover temporary shortfalls

Our system is designed to be flexible while protecting all members' interests.

Our interest rates are competitive and consider multiple factors:

• Loan type: Emergency loans typically have higher rates than business expansion loans
• Duration: Shorter-term loans usually have lower rates
• Member history: Long-term members with good repayment records get better rates
• Group guarantee: Loans backed by group savings often qualify for discounts

All rates are clearly disclosed before you accept any loan.