Savings
Members save
Ordinary, thrift, target and more, each with its own rules and interest. Members fund in cash or online.
interest posts monthly
Built for cooperative societies
Run a cooperative your members can trust.
Savings, loans, welfare and shares for every member, across every branch, on one set of books that always adds up.
- Counted to the kobo
- A checker on every entry
- Nothing edited, only reversed
Unity Thrift & Credit Cooperative
Member M00214 · Adaeze Okafor
| Date | Entry | In | Out | Balance |
|---|---|---|---|---|
| 02 Jun | Monthly savings | +20,000 | 184,500 | |
| 09 Jun | Thrift contribution | +5,000 | 189,500 | |
| 16 Jun | Withdrawal | 12,000 | 177,500 | |
| 24 Jun | Monthly savings | +20,000 | 197,500 | |
| 30 Jun | Interest posted | +1,240 | 198,740 |
Closing balance₦198,740
ApprovedWhat your cooperative runs on
Four products. One member record. No spreadsheets.
Every product a Nigerian cooperative actually offers, built in and tied to the same member, the same ledger, the same approvals.
Loans
Members borrow
Apply, approve, disburse, repay. Flat or reducing balance, with schedules and late penalties handled for you.
flat & reducing balance
Welfare
Members support
Pool a welfare fund for bereavement, medical and more. Contributions in, benefits out, balance always clear.
one fund, every scheme
Shares
Members own
Members buy shares and earn dividends, split by shareholding the moment the cooperative declares.
dividends by holding
Why members trust it
Two sets of eyes on every naira that moves.
One person records a deposit, a withdrawal, a loan. A second person approves it. Until then, nothing touches a balance. Approved entries are kept for good: a correction is a new reversing entry, never a quiet edit. The books tell the truth, and the audit log shows who did what, and when.
MClerk recorded a depositpending · not yet on the balance₦20,000
✓Supervisor approved itposted · member notified₦20,000
One cooperative, many branches
Each branch balances on its own. The whole society always reconciles.
Give every branch its own members, tills and daily cash book. Work inside one branch, or stand back and see the cooperative entire. The books add up either way.
Head OfficeHQ₦6.2m
EnuguBR·02₦3.4m
AbaBR·03₦2.1m
Cooperativeall branches₦11.7m
Pricing
One subscription for the whole cooperative.
Every member, every branch, every product. No per-seat surprises. Start free to set up, pay when your cooperative goes live.
Thrift
For new and smaller cooperatives finding their feet.
₦15,000 /month
- Up to 250 members
- Head Office branch
- Savings, loans, welfare & shares
- Maker-checker on every entry
- Audit log
Growth
Most chosenFor growing societies running more than one branch.
₦40,000 /month
- Up to 1,500 members
- Up to 5 branches
- Everything in Thrift
- Online funding with Paystack
- SMS alerts to members
- Branch books that reconcile
Union
For unions and federations at full scale.
Custom
- Unlimited members & branches
- Multi-branch consolidation
- Bulk data import & migration
- Priority support & onboarding
Prices are indicative. Each cooperative is billed a subscription your AUSCA administrator sets, monthly or yearly, and can change or cancel anytime.
Bring your cooperative onto FinCoop.
Set it up in a minute: name your cooperative, add your first admin, and start with a Head Office branch. Your members will thank you.