Motswedi SACCOS lends to members in the ratio 1:4 (Savings : Loan Amount). A member will qualify for an additional loan ordinary when he / she has serviced or repaid his / her existing loan for / by 6 monthly installments. A member who deposits a lump sum ( more than 25 % of his / her savings will have to wait for a period of three (3) months before taking a loan against that amount. the member will qualify for an Emergency loan, provided the existing ordinay loan is being serviced without arrears.