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The National People's Co-operative Bank of Jamaica Limited (NPCB) is the premier Community Bank for rural agricultural development in Jamaica.
NPCB provides a range of services to its members/clients. These cover a range of savings instruments, loan facilities to the micro, small and medium-scale enterprises (MSMEs), legal services (eg. wills and land titling), bill payment services and family indemnity plan insurance.
Loans for SME ventures in agriculture, fishing, agro-industry, manufacturing, hotel & atrractions and services. Interest rates generally range from 9.50% p.a. to 15.5%.
Loan amount can be as high as J$20 million. Normally we lend between 70% and 80% of project cost (up to 90% for agriculture).
All borrowers are subject to normal credit assessment, and collateral is required.
We also do consumer lending at competitive market rates.
This plan is designed to help you reap even richer rewards from your savings, giving you that lump sum to:
You also obtain life insurance (no medical required) for the difference between what you actually saved and your savings target - so even if you pass on, your beneficiary will receive not just what you have saved but the amount you planned to save.
Contact your nearest branch for more information
A CoC can be used as collateral for loans up to J$500,000, only at the PC Bank.
The People’s Cooperative Banks were established in Jamaica beginning in 1905 as cooperative savings and loans institutions. Over the years they became the main financial institutions for helping small farmers to help themselves and maintain their livelihood. Their numbers expanded and in 1994 there were 116 branches.
Since 1994 through to 2005 by reorganization and rationalization, the various independent co-operatives were merged or wound up until there was a final merger into what is now National People's Co-operative Bank of Jamaica Ltd. (NPCB) which has 37 branches throughout the length and breadth of the island. In November 2005, NPCB received its certificate of incorporation under the Industrial & Provident Society Act.
The Agricultural Credit Board is the regulatory body for the NPCB which is registered as an agricultural loan society under theAgricultural Credit Board Act.