General requirements to qualify for an ADOPEM loan product are:

1. Individuals must be legally able and willing to enter a contract
2. Individuals must be of legal age
3. Individuals much have a minimum of six months experience running a business or technical qualifications to engage in economic activities (not applicable to solidarity group loans)
4. Individuals must have a good track record with respect to personal conduct
5. Individuals must have a firm commitment to participate in training and to receive technical assistance
6. Applicant or enterprise must have a viable address
7. Individuals should not have access to traditional financial services (not applicable to small business loans)

Additional requirements (specific to product) are:

Solidarity Group Loan

1. A group of three to five women who live in the same geographic area
2. Applicants must possess rudimentary experience in economic activity
3. All members of group serve as guarantors

Micro-Micro Loan

1. A group of two to five women who live in the same geographic area
2. Applicants must have some experience producing or selling a good
3. Group must agree to periodic visits by a local support contact (either ADOPEM or one of its affiliates)

Microenterprise Loan

1. A minimum of six months experience in running or administering a business
2. A microenterprise engaged in one of the following economic activities: production of goods, commerce, or provision of some type of service
3. At least one guarantor endorsing the business, preferably also an entrepreneur
4. The microenterprise should be located in the same geographic area as an ADOPEM branch.  If this is not so, a new committee for the respective geographic area is to be formed with the approval of the Board of Directors

Small Business Loan

1. An enterprise with a minimum of one year in operation
2. Depending on the size of the loan, some form of collateral such as a mortgage, a vehicle or a guarantor
3. Proof of organized record keeping
4. Bank references

Secured Loan

1. Certificate of Deposit issued by ADOPEM
2. Legal document showing proof of ownership of certificate
3. A signed loan application indicating the amount requested
4. A signed letter confirming that instalments will be paid with interest

Home Loan

1. Business of applicant needs to have at least one year in operation with evidence of a stable income stream and adequate solvency
2. Applicant must be a home owner in possession of a sales contract showing that she has been the legal owner of the property for at least two years
3. Applicant must present a cost estimate for the planned construction
4. Loan is to be used for the acquisition , repair, expansion or construction of a home
5. Some form of collateral such as mortgage or a certificate of deposit, an initial down payment issued to ADOPEM, or an individual guarantor

Consumption Loan

1. Must be a person affiliated with ADOPEM or an ADOPEM partner