This product is designed to meet the ever-increasing demand by households [likes, fridges, cookers, electronic gadgets, furniture, jewelry, computers, mobile phones, etc.] satisfy some basic but essential needs. Customers can purchase any desired household/electronic gadgets from any accredited distributor or from any preferred distributor of the customer and pay over a period of time. Much of the marketing effort shall be concentrated on formal institutions with a considerable workforce and high net-worth individuals. The target market shall not be segmented but broadened to cover several formal and corporate institutions with employers willing to deduct at source on due dates from their employees..