diff --git a/app/Controllers/Loan.php b/app/Controllers/Loan.php
index efc6a1a..c023172 100644
--- a/app/Controllers/Loan.php
+++ b/app/Controllers/Loan.php
@@ -127,7 +127,6 @@ disbursement
             $data['customer_uid'] != '' &&
             $data['loan_amount'] != '' &&
             $data['payment_month'] != '' &&
-            $data['sales_agent'] != '' &&
             $data['marital_status'] != '' &&
             $data['email'] != '' &&
             $data['address'] != '' &&
@@ -135,11 +134,12 @@ disbursement
             $data['country'] != '' &&
             $data['disbursement_account'] != ''
         ) {
+            $sales_agent  = $data['sales_agent'] ?? '-None-';
             $udata = [
                 'customer_uid' => $data['customer_uid'],
                 'loan_amount' => $data['loan_amount'],
                 'payment_month' => $data['payment_month'],
-                'sales_agent' => $data['sales_agent'],
+                'sales_agent' => $sales_agent,
                 'marital_status' => $data['marital_status'],
                 'email' => $data['email'],
                 'address' => $data['address'],