There is an aspect of collateral associated with all loans advanced from formal lenders like banks and micro finance institutions. Just like there are different requirements from various lenders, there are also different loan types that can be secured differently. The most popular loans in the Kenyan market are check off loans. Here, the key aspect of security is an agreement between the bank and the employer to deduct at source and remit to the lender on behalf of the employee. This is done until the loan is fully repaid. What happens when you are in self employment?