The monthly contribution is agreed upon by all members at the start of the cycle. For now, members contribute ₦10,000 monthly. However, this may be reviewed periodically based on collective decisions..

If a member misses a monthly contribution, they may lose eligibility for their scheduled payout and will need to catch up before accessing funds again. Consistency is key to keeping the cooperative strong.

Yes, trusted family members and friends are welcome. Every new member must be introduced by an existing member and approved by the group to maintain our trust-based system.

Yes, members can access short-term loans with a small interest (usually 5–10%), agreed upon by the cooperative. This helps sustain the fund and reward contributors while keeping rates far below banks or lenders.

Payouts are done in rotation, based on the agreed schedule set during the first meeting of the cycle. In emergencies, special consideration may be given to a member based on group approval.