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Join Our Cooperative Family
Open to individuals, entrepreneurs, civil servants, and community groups across Nigeria.
Who Can Join
Membership Open To
SME Owners
Entrepreneurs and business owners seeking working capital and growth support.
Apply for MembershipWomen Groups
Women-led businesses, cooperatives, and community savings groups (thrift / ajo).
Apply for Membership
Capital Build-Up System
How Your Capital Grows
Every member purchases shares at registration and may increase shareholding over time.
Member Value
Membership Benefits
- Access to all loan products
- Competitive dividend on share capital
- Member education and financial literacy programmes
- Annual general meetings and voting rights
- SMS alerts and digital account access
- Referral bonus scheme
Referral Programme
Invite a Friend. Earn a Bonus.
For every new member you refer who registers and makes their first savings contribution, you earn a referral bonus credited directly to your account. Help us grow — and grow with us.
Refer Someone TodayFive-Year Outlook
Membership Growth Targets
Year 1100 active members
Year 3500 active members
Year 51,000+ active members
Annual growth rate target: 20%