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Finance That Works
for Everyone
Combining the strength of community savings with accessible, interest-free credit — giving every member a fair shot at financial stability.
Zero Interest Loans
Access loans up to 100% of your savings balance — no interest whatsoever. Only a 0.5% admin charge applies.
Community Guarantee
Loans are backed by fellow members who stand as guarantors — mutual accountability that makes us all stronger.
Flexible Monthly Savings
Contribute from ₦5,000/month at your pace. Deadline is the 5th of the following month — no stress, no surprises.
Transparent Governance
Every rule is written down, reviewed by executives, and available to all members. No hidden charges, ever.
Member Protection
Your savings are protected. Even in expulsion, your balance is returned within 6 months — cooperative law guarantees it.
Real Empowerment
Build your savings record and unlock capital to grow your business, handle emergencies, or achieve personal goals.
How It Works
Four clear steps from joining to receiving your first loan.
01
Register with Your Member ID
Get your ID from the executives, then sign up with your Full Name, BVN, NIN, and passport. Admin activates your account.
02
Make Monthly Contributions
Contribute at least ₦5,000 each month by the 5th. Every contribution builds your borrowing capacity.
03
Apply for an Interest-Free Loan
After building savings, apply for a loan up to 100% of your balance with two guarantors. Executives review and approve.
04
Receive Funds & Repay
Funds are disbursed on approval. Repay on schedule to maintain good standing and qualify for future loans.
Transparency Is Our Policy
Every figure, every rule, open for every member to see.
Growing
Members Served
Active cooperative members
0%
Interest Rate
On all member loans — always
0.5%
Admin Charge
Only charge — deducted at source
7+
Years of Service
Community trust since 2017
What Members Say
Real stories from real members of Boluwaji APCS.
My name is Abdulquadri Bola Yusuf, and I am proud to be a member of this Ibadan Boluwaji Alliance and Progressive cooperative society Limited (APCS) since 2019. I am truly grateful for the opportunity to share my testimony. Since joining the APCS, I have enjoyed many benefits. APCS has supported me financially through its savings and loan scheme, which has helped me meet important personal and family needs at the right time. The process was transparent, affordable, and encouraging. Beyond the financial assistance, the cooperative has taught me the importance of regular savings, financial discipline, and working together for mutual benefit. Being a member has improved my financial stability and given me greater confidence in planning for the future. I sincerely appreciate the management and all members of this APCS for their dedication, honesty, and commitment to helping one another. I encourage anyone who is not yet a member to consider joining so they too can enjoy the many benefits that this cooperative offers. Thank you, and may God continue to bless our cooperative society with growth and success.
Abdulquadri Bola Yusuf
Joining Ibadan Boluwaji Alliance and Progressive Cooperative Society Limited has been one of the best decisions for my business. Since becoming a member, I have experienced a significant financial turnaround and received dependable support for my project financing. The leadership and executives are truly committed to their members' success. I am proud and happy to be part of this progressive cooperative.
Deacon Muyiwa Dagunduro
Joining the Ibadan Boluwaji Alliance and Progressive Cooperative Society Limited (APCS) in 2020 has been one of the best decisions I have made for my personal and professional growth. Since becoming a member, I have experienced remarkable financial progress, successfully built my own house, and received reliable financial support for various development projects. What sets APCS apart is its dedicated leadership and committed executives, who consistently prioritize the welfare and success of their members. Their transparency, professionalism, and unwavering support have made a meaningful difference in my journey. I am proud to be a member of this progressive cooperative and wholeheartedly recommend APCS to anyone seeking a trustworthy partner for financial empowerment and sustainable growth.
Dr. Lateef Saheed Ademola
