How It Works

1

Join the Cooperative

Register online or via WhatsApp. Pay your one-time $20 membership fee to activate your account and receive your unique Member ID.

2

Save Monthly

Deposit a minimum of $20/month. Your savings earn competitive interest and, more importantly, determine your borrowing power.

3

Borrow 4x Your Savings

After 3 months of consistent saving, you qualify for loans up to 4 times your balance. Low interest (10%), no collateral needed.