Overview

Using a “Commodity Murabaha” structure, this is a Personal Finance program that provides financing to both retirees from the public and private sectors, along with non-retirees employed at government organizations.

• Facility Amount is determined per the provided SIO Eligibility Letter
• Tenor of up to 15 years, per the provided SIO Eligibility Letter

Eligibility Criteria

• Both salaried and retired Government employees
• Retired Private sector employees

Requirements

Valid Identification

• Two valid forms of identification
• Completed Application Form
• Salary certificate
• Pay slips (Previous 3 if your income varies)
• Bank Statement (previous 3 months)
• SIO Eligibility Letter

To apply:

1. Fill out the Finance Application Form
2. Visit your nearest branch with the required documents to activate the account.