Our beneficiaries are any client of a social enterprise (SE) who requires a loan for business startup, education, investment, or community empowerment. The relationship of the SE with its clients is of utmost importance in evaluating and selecting potential borrowers. The borrower will be required to go through a loan assessment process, determined by the SE and ZiM, that should include household cash flow, repayment capacity, a business plan, character references, and any other factor that would influence the decision.