These are the small loans provided to the ADDO shops for the purpose of ensuring availability of essential medicines in the ADDOs shops at all time. Applicants are being supplied with medical commodities as per their requirements and application from sub wholesalers contracted. Cash equivalent is paid the wholesalers/Supplier. Hence, this is non cash loans to ADDOs. Group guarantee arrangements are used to eliminate the need for the formal collaterals.

Requirements
=A facility with more than 6 months in operation
=The loan amounting from Tzs.300,000 to 8,000,000.
=A Tanzanian citizen aged from 18yrs to 65
=To be in the group of 3 to 7 people
=Loan duration is from 3 months to 12 months