Group Lending for Women Cooperatives is a powerful and inclusive financing model developed by Capital Plus Limited. It is designed specifically for women-led savings groups, community cooperatives, and rotating credit associations (ROSCAs). Recognizing both the vital role women play in local economies and the barriers they face in accessing traditional financial services, this solution promotes collective growth, social cohesion, and shared responsibility.
Across many underserved communities in Malawi, women already pool their savings, rotate funds, and support each other in informal business ventures. This service strengthens those trusted systems by offering structured, scalable, and affordable loans to women’s groups as a unified financial entity.
Unlike individual microloans, this group-based model leverages solidarity and mutual accountability. Members support and monitor each other’s progress, reducing the risk of default and fostering collective resilience. It is a community-rooted system tailored to real-life challenges—designed to uplift women entrepreneurs from the grassroots level.
Service:
Group Lending for Women Cooperatives
Loan Service Overview
Quick Loan Summary
Interest Rate
12.50 %Loan Amount
MWK 250,000.00 - MWK 12,000,000.00Loan Term
1 to 6 monthsEligibility
To be eligible for a loan from CPL through Group Lending for Women Cooperatives program/scheme, the cooperative must meet the following requirements: 1) The cooperative/group must be registered with the relevant authorities in Malawi and provide a valid registration certificate(s); 2) Must be led and managed by women aged 18 and above; 3) The cooperative must have a viable business plan and be engaged in a productive economic activity; 4) The cooperative must have a well-defined group structure, with clear roles and responsibilities for its members; 5) Members of the cooperative must agree to joint liability for loan repayment; 6) The cooperative must have a minimum number of 5 members, and not exceeding 10 members; 7) The cooperative must demonstrate good governance practices, including regular meetings and transparent decision-making processes; and 8) The cooperative must demonstrate the ability to repay the loan based on its cash flow and financial projections.Requirements
1) Group/Cooperative Registration Certificate; 2) Group Constitution or Rules (showing structure and governance); 3. List of Members with full names, phone numbers, and national IDs; 4) Group Meeting Minutes from the last 3 months; 5) Savings Records or financial logs for at least the past 6 months; and 6) Endorsement Letter from a community leader or local authority.Our Group Lending for Women Cooperatives Process
A structured approach to deliver exceptional results
Group Registration
Women-led groups register with CPL and provide basic documentation.
Joint Loan Application
Members jointly apply for a loan, deciding how funds will be distributed internally.
Financial Literacy Training
The group undergoes training on money management, saving, and loan tracking.
Loan Disbursement & Monitoring
Funds are released, and CPL provides regular monitoring and group support.