Mahogany Finance offers a specialised personal loan designed for established senior salaried

employees who demonstrate strong financial discipline and stable employment.

This facility is primarily intended for executives, managers, senior public servants, and long-

term employees who maintain a healthy surplus income after all financial commitments and

who have a sound asset base.

For public sector employees, eligibility generally applies to officers from Grade 13 and

above, while private sector applicants are expected to have a minimum of three years’

continuous employment in their current role.

Whether you are upgrading your home, supporting family commitments, investing in

personal development, or making an important life purchase, Mahogany Finance provides

flexible personal lending for established senior salaried employees.

Our Executive Personal Loan can be used for any worthwhile purpose, provided the loan is

supported by strong financial capacity and responsible borrowing.

Common purposes include:

➤ Home improvements or renovations

➤ Education and professional development

➤ Family or cultural obligations

➤ Major life purchases

➤ Travel or personal project

Loan Features

Loan Amounts

Executive Personal Loan facilities are available from K10,000, reflecting the structured nature of this executive lending product.

Loan Terms

Repayment terms range from 1 to 4 years, depending on the purpose of the loan.

 Repayment Structure

Repayments are made in advance, with the first repayment normally deducted from the loan proceeds. Where a borrower requires a set net loan amount, the first repayment may be added to the loan amount.

 Interest Rate

Competitive interest rates are offered and are fixed entire loan term, providing certainty of repayments.

 Fast Turnaround Times

Once all required documents have been received, loan assessments are typically completed within 48 hours, with funding arranged shortly after approval.

Higher Borrowing Capacity

Mahogany Finance’s Executive Personal Loan is designed for established senior salaried

employees with strong financial discipline and stable long-term employment.

Because borrowers typically hold senior roles and maintain healthy surplus income after

meeting their financial commitments, the facility may allow for higher borrowing capacity

than standard consumer personal loans, subject to responsible lending assessments.

This facility is well suited to:

 ➤  Senior public servants, generally from Grade 13 and above.

 ➤  Executives and managers in the private sector.

 ➤  Long-term employees with strong and stable income.

All applications are assessed based on verified income, existing financial commitments,

and the borrower’s ability to maintain a healthy surplus income after repayments.

Convenient and Structured Repayment Methods

Mahogany Finance provides simple and reliable repayment arrangements designed to ensure

repayments are made on time and without inconvenience.

Repayments are typically made through automatic payroll deductions or direct bank transfers, providing a structured and disciplined repayment process.

For many senior public servants and salaried employees, payroll deduction arrangements

provide a convenient and dependable way to meet loan commitments while maintaining financial stability.

Where payroll deductions are not available, repayments can be arranged through direct bank transfers or standing payment instructions.

Our team will work with each borrower to establish the most appropriate repayment method based on their employment arrangements and banking preferences.

Suitable for a Range of Worthwhile Personal Needs

Mahogany Finance’s Executive Personal Loan provides established senior salaried employees with the flexibility to fund important personal commitments and life goals.

While the facility may be used for any worthwhile purpose, it is commonly used for:

 ➤ Home improvements and renovations

 ➤ Education and professional development

 ➤ Family and cultural obligations

 ➤ Major personal purchases

 ➤ Travel or significant life events

All loans are assessed based on the borrower’s financial capacity, stability of employment, and ability to maintain a healthy surplus income after repayments.

For Senior Salaried Employees

Mahogany Finance’s Executive Personal Loan is designed for established senior salaried employees with stable employment and strong financial discipline.

The facility is particularly suited to:

 ➤ Senior public servants, Grade 13 and above.

 ➤ Executives and managers in the private sector.

 ➤ Long-term employees with stable income and strong repayment capacity.

While applicants from both the government and private sectors are considered, the loan is intended for borrowers who demonstrate consistent employment history, responsible financial management, and sufficient surplus income after meeting all financial commitments.

All applications are assessed individually in line with Mahogany Finance’s responsible lending policies.

PORT MORESBY BRANCH

LAE BRANCH