Seasonal loan (SNL) is a type of credit, which allows the borrower to use loan in their agriculture activities such as animal raising, storage, fishing, farming and/or agri-business and agri-production activities. These loans are for borrowers with a reliable and sustainable source of income and strong collateral, but whose activities generate income on a seasonal basis rather than a steady monthly income. The purpose of this loan product is to enhance the living conditions of people who need more capital for agriculture activities, and need loan amount up to USD 15,000 or equivalent to other currency.