Loans are a huge part of VOX too. Joseph says that the traditional banks typically require reliable proof of credentials from customers before approving a loan. People living in rural areas, as he believes, have low self-esteem when it comes to getting a loan from the big banks. But VOX focuses on smaller loans targeted at customers who need the money to run small businesses, similar to microlending. For example, a customer who needs $200 to buy vegetables in bulk from a wholesaler can approach VOX for a loan. Joseph explains that they are usually able to get back the principal sum with interest pretty quickly.