Financial Services & Products
Capital structure and financial schemes designed to serve micro-traders, market women, artisans, civil servants, and paramilitary personnel across Nigeria.
Empowering Communities Across Nigeria Without Discrimination
Our services and financial activities include serving the micro-traders, market women, and artisans without any tribal, regional, or ethnic discrimination. Our visions have empowered Para-military top and lower cadre ranks personnel, including federal military personnel, helping them meet urgent needs and enhance professional integrity.
The Nigeria Police Force, Prison Officers, and retirees are fully integrated into our direct financial credit systems, provided they follow our documented guidelines.
Eligible Constituencies
- Market Women & Micro-Traders
- Artisans & Small Business Owners
- Nigeria Police Force Personnel
- Federal Military Personnel
- Prison Officers & Civil Servants
- Retirees & Pensioners (duly documented)
Short-Term Finance (STF) & Advanced Salary Loan
Specifically structured for officers and men to meet urgent financial obligations, eliminate personal cash flow gaps, and reduce financial embarrassment.
Product Details & Terms
| Target Audience | Police, Military, Paramilitary, and Civil Servants |
| Interest Rate | 5.5% to 7.5% per month (depending on establishment) |
| Maximum Facility | Up to 60% of verified net monthly salary |
| Repayment Duration | Repayable within 24 months maximum |
| Disbursement Mode | Direct payroll source deduction (MOU supported) |
Artisans, Traders & Businessmen Loans
Structured for grassroots growth, enabling capital deployment to scale petty trade, shop inventory, and small business initiatives. We help women and men achieve high returns.
Product Details & Security Requirements
| Maximum Amount | N10,000,000 (Ten Million Naira) |
| Repayment Duration | 6 months maximum duration |
| Interest Rate | 20% to 25% (depends on market value of collateral) |
| Mandatory Collateral | Possession of vehicle and its particulars, post-dated cheques, or registered landed property documents. |
JAM-Fortune Home Appliance Support Scheme
Bringing happy homes and happy families by facilitating comfortable living. Equipping the home with key appliances for the benefit, comfort, and pride of your children.
Scheme Framework & Repayment
Repayment Tenor
10 Months
Vendor Sourcing
Direct Buy
Target Audience
Happy Families
Supported Products Include:
Inter-Financial & Capital Management Activities
As we transform into one of the largest micro-financial institutions in Nigeria, you can easily access our capital banking and support services.
Equity Fund Saving Account
Structured deposit programs allowing clients to build equity and secure future borrowing capabilities.
Contribution Savings Account
Periodic and daily contribution collection schemes facilitating micro-savings and retail accumulation.
Micro-Financing Credit Management
Rigorous processing, monitoring and advisory regarding short and medium term retail credit facilities.
Financial Consultancy
Professional advice regarding budgeting, capital structure, savings habits and wealth protection.
Fund & Investment Management
Collaborative allocation of capital investments to provide strong local and international returns.
Debt Recovery Agency & SME Management
Statutory debt recovery services and operational management/consultancy for small-scale enterprises.