Risima provides a range of affordable housing finance and credit options, including mortgage bonds, incremental housing loans, and loans for home construction.

To diversify its revenue streams, Risima has introduced new products such as solar and renewable energy housing finance, educational loans, and contractor loans. These products are aimed at promoting sustainable development and expanding access to finance for households and businesses engaged in property development.

Risima’s revenue model relies heavily on partnerships with both the public and private sectors. This includes collaborations with government departments like the Department of Public Works, mining companies, and financial institutions. By working together, these entities can mobilise resources to expand access to housing finance and create opportunities for economic development.

Unlike many state-owned entities, Risima operates
without reliance on grant funding. It is a self-sustaining entity that generates its income from interest on loans, property valuation services, and other housingrelated
services. Risima’s strong financial performance, reflected in clean audits and increasing asset value, is a testament to its efficient business model.