For a microcredit loan, the applicant should be a permanent resident of the locality, a computerized CNIC holder, with an age between 18 and 60. The loan amount ranges from PKR 20,000 to 50,000, and the tenure is 12 months. On the other hand, for Small & Medium Enterprise (SME) Loans, the loan amount varies from PKR 100,000 to 300,000, and the tenure is 24 months. Collateral includes a social guarantee along with a post-dated cheque against the loan amount.