In line with best practice in cooperative savings, The following conditions are applicable for every lump sum contribution/monthly variation; A. Any upward variation that is up to or more than 100% of members contribution must be sustained for a period of at least four (4) months before the member can be eligible for loan B. Any member who contributes a lump sum amount that is up to or more that 100% of his/her monthly contribution must wait for a period of four (4) months before he or she will be eligible for loan Exclusion; Members who are repaying loans and had strategically reduced their contributions are excluded from Point A above. Regards, Lawrence.