This product has been developed for all public servants or permanent employees working in government departments except for the Department of Education.

Benefits of Abitore Namona

  • Low interest rates.
  • No administration fees.
  • Faster processing time.
  • Convenient payment through bank account
  • Flexible repayment terms.

Customers Eligible for Abitore Namona

Permanent employees of government department whom are accredited for raising Permanent Variation Advice (PVA)
Not part time/casual.
Not under probationary status.
Existing salary is being credited into their bank account.
Net salary above 50% take home (refer to loan calculator for government employees.)
Not classified as black listed in PFL’s database unless the customer can be cleared from black list.

Customers Not Eligible

Employees not working with a government department.
Any “black listed” customer unless the customer can be cleared from black list.
Casual/probationary employees.
Employees from government departments that are SUSPENDED.
Employees on the retrenchment list


Minimum K300.00
Maximum K20,000.00


Minimum Five (5) fortnights
Maximum Thirty (30) fortnights


Late payment fees of K20.00 per fortnight after two (2) fortnights of late, missed and reduced deductions, until arrears have been cleared.

Topup Loans

All outstanding balances must be fully paid before giving top up loans. Outstanding balance can be paid in cash or deducted from the proceeds of the top up loans.

Disbursement Method

Disbursement will be strictly through direct credit to the account of borrower.

Repayment Method

All repayments shall be through salary deductions only.


Final pay entitlements.
Eda Supa savings
PEA or any other savings

87 %
Successful Applications
94 %
Return On Investment
100 %
Completely Secure

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