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The client must be of Yemeni nationality (for individuals).
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The company or institution's main headquarters must be in Yemen (for entities).
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The client must be legally qualified to obtain financing (of legal age and capacity).
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The client's age must be between 18 and 60 years old.
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Submission of a valid personal ID (ID card or passport).
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Submission of legal documents such as a commercial register and business license (for entities).
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The client must have a good personal and credit reputation.
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Proof of the ability to repay installments through a stable income or a reliable financial source.
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The client must not have an active loan with another microfinance institution or bank.
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The client must have sufficient financial and administrative competence to manage their business activity.
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The client must provide a commercial guarantee or collateral equal to or greater than the value of the financing.
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The client's residence or company's headquarters must be within the operating area of the bank's branch.
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The client or the guarantor must own their residence, or both.
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The client must not be on the blacklist circulated by the Central Bank.
