Our Choice of Microfinance    The poor are the members and clients of FAAP. Some are already engaged in trades, crafts and other enterprises, generating profits enough only to keep them alive and continue in business but not good enough to encourage bigger business opportunities. Many posses skills but have no means of putting the skills into use for lack of the necessary financial strength. Existing jobs and businesses need to be expanded and new ones to be created. Innovations and creativity are to be encouraged. The poor need access to credit facilities at a time, the place and the way they choose.     They desire a financial backing that is reliable. That which could be approached at any time for assistance without fail and the one they can lay claim to as being theirs. The provision of services for such categories as described formed the basis of the operations of FAAP.    FAAP holds the opinion that microfinance is an effective tool that is being used to empower the poor translate their dreams into reality. We believe that if a microfinance program is well designed it will assist in building micro enterprises into profit generating ventures, and transform the environment and the live of the rural and urban poor thus granting the enablement for breaking the poverty cycle.    Based on the diversified needs of the people, microfinance products of FAAP are tailored to suit the various options the clients might desire. Description of loan products FAREP: Farmers Relief Program: Loan in cash and kind for the assistance of farmers and other agro-allied activities. FIFAP: Fish For All Program: -Loan for the construction and management of home stead fish farms A homestad fish farming project - A fish pond under construction being inspected by the program director CRAFT AID: Loan for equipment, tools and machines for different trades and occupation including cottage industries. A beneficiary of the craftaid program in his workshop PTL: PETTY TRADING LOAN: This loan is usually for those whose capital requirement is very small. It is organized for women who are engaged in the sale of various local items and daily needs. A group of women engaged in the processing of cassava into garn.