We managed our risk through various means including interaction with borrowers, borrower education, a web-based Guarantee Management System and an HIV and Aids risk management programme. 


The Company formulated comprehensive education programmes that addressed issues pertinent to housing finance, including elements such as tenure forms, affordability, budgeting, loan types, subsidies and dealing with developers and contractors. The service was offered at no fee to borrowers accessing loans guaranteed by HLGC. 

Guarantee Management System 
Risk management was a cornerstone of access to finance. The Guarantee Management System (GMS) was a web-based system created specifically to manage the CRI in all its facets. Training on all levels is an integral part of the implementation of the CRI.