• Financial instrument issued by reputable and creditworthy borrowers to raise finance from the investing public.

  • Issuer can access funds at competitive rates normally higher than treasury bill rates but lower than the prime overdraft rate.

  • Can be traded on the secondary market by FDH

  • Attractive investment rates because associated with lending rates.

  • Issued for not more than 273 days according to Malawi’s regulatory requirements.

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