The program is targeted at individuals on low incomes with a Health Care or Pension Card. To be eligible, applicants must have proven money management skills, demonstrated through a savings history, timely payment of utility and other personal bills and no record of unpaid credit default above $300 within the last three years. The loan must be for a purpose associated with a household or education. Loans may also be advanced on certain conditions for the purchase of a motor vehicle. Current employment is not an essential loan criterion.
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