Tugende provides loans in the form of a new motorcycle to recommended drivers in a hire-purchase arrangement. If paid on time, the drivers own the bike after 18 months or less. Ownership allows drivers to save money they would normally spend renting, and provides accumulated savings in the value of the paid off motorcycle. Because the weekly payments are only 10-15% higher than the market rental rate, there is little marginal cost to our clients when making weekly payments.