Who we are

From Fields to Finance — Building Economic Power Together

Monivest is a female-led, member-driven cooperative redefining how communities save, borrow, and grow wealth. But before we became a financial empowerment platform, we were on the ground — sourcing crops, working with farmers, and exporting commodities to global markets. That work shaped our DNA: discipline, trust, and long-term thinking. Today, Monivest brings those same principles to financial

• 🏦 Structured Savings Plans
• 💳 Instant Loans & Credit

• 💰 Equity Shares & Dividends
• 🛒 Buy Now, Pay Later (BNPL)

Our Journey

We didn’t start in fintech. We started in logistics, trade, and export.

Launched in 2017, Monivest originally functioned as a supply chain enabler in Nigeria’s agricultural economy. Our team built active sourcing networks across 20+ states, coordinating harvests, managing farmer relations, and exporting quality-controlled commodities including maize, soybeans, sesame, and ginger to buyers in:

• 🇮🇳 India

• 🇦🇪 UAE

• 🇻🇳 Vietnam

• 🇬🇭 Ghana

• 🇬🇧 United Kingdom

This wasn’t soft work — it was real trade, real risk, and hands-on operations in high-friction markets.

But despite moving thousands of metric tons in goods, we saw a problem: the very people creating the value were still financially excluded. So we built a system that could serve them.

The Monivest Shift: From Trade to Empowerment

In 2021, Monivest pivoted from pure trade to financial empowerment — launching a cooperative finance platform grounded in shared ownership, transparent savings, and real-world value.

Today, Monivest operates on monivest.ng, powered by a full banking core, and legally registered as Monivest Multipurpose Cooperative Society Limited (Abuja).

We’ve since become one of Nigeria’s most grounded cooperative platforms — trusted by thousands of members, active across multiple states, and backed by some of the country’s most respected partners.

Trusted by great companies

What We Offer

• 🏦 Structured Savings Plans — Daily, weekly, or monthly saving options with goal-based planning.
• 💳 Instant Loans & Credit — Fast-access funds for salary earners, traders, farmers, and micro-businesses.
• 👨‍👩‍👧 Group & Family Thrift — Organize joint savings and ajo cycles with accountability.
• 💰 Equity Shares & Dividends — Members co-own Monivest and share in annual surpluses.
• 🛒 Buy Now, Pay Later (BNPL) — Essential goods and services, financed with ease.

About Monivest

From Fields to Finance —
Building Economic Power Together

Today, Monivest connects everyday people to structured finance, real asset ownership, cooperative dividends, and future-proof value creation — all on one powerful platform.

Loved by over 4k
happy clients

+MT

annual export

k+

Members

k+

Member empowered

States reached

Gen Z & The Real Asset Mindset

We believe Gen Z deserves more than just fungible tokens in a wallet.

Monivest is shaping a generation that doesn’t just speculate — but builds wealth through tangible assets, real infrastructure, and financial intelligence.

We empower young people to:

• ✅ Co-own Farms — Invest in agricultural income streams, from catfish to poultry.
• ✅ Hold Commodities — Back your savings with maize, soybeans, and other exportable assets.
• ✅ Build Credit Scores — Learn responsible borrowing and repayment.
• ✅ Gain Financial Literacy — Structured tools to budget, plan, and grow net worth.
• ✅ Understand Infrastructure — From warehouses to processing plants — not just the blockchain.
• ✅ Think Generational — We teach non-fungible responsibility, not just NFTs.

We're not anti-crypto — we're pro-portfolio resilience. Gen Z deserves tools that stand the test of time.

M+

Transaction
Completed

k+

Transaction
Completed

Sustainability Approach

Female-Led by Design

Monivest is proudly female-led, with 68%+ of our workforce made up of women, from our executive team to our grassroots agents. Financial inclusion is only real when it includes women — and our hiring, design, and impact programs reflect that conviction.

Aisha Bello

I’ve been in business for 15 years, and this is the first time I’m part of a system where both big and small sellers can benefit. Monivest doesn’t just buy — they help you grow.

Moses E.

My NYSC allowance couldn’t do much, but I saved with Monivest for 10 months and invested in their FMCG supply. Now I’m earning more than my monthly allowance. I wish I knew this earlier.

Aquaculture: 🐟 From Pond to Port

In 2022, Monivest launched a rural aquaculture initiative — building out a vertically integrated catfish farm-to-export chain that empowers farmers, feeds communities, and reaches diaspora markets.

🐠 Model Overview

• Farming
  • Southwest & North Central Nigeria
  • In-house & outgrower ponds
  • Species: Clarias gariepinus
• Processing
  • Harvest cycles: every 12–16 weeks
  • Formats: dried, smoked, frozen
  • NAFDAC-registered facilities with cold chain logistics
• Distribution
  • Export: 80% to US, UK, Canada, UAE, West Africa
  • Domestic: 15% (retail chains, institutions)
  • Institutional: 5% (schools, catering, SMEs)

📦 2024 Snapshot: Over 90MT of processed catfish distributed globally

Broiler & Poultry Feed Partnerships (Since Dec 2025)

To deepen our agri-finance impact, we’ve partnered with 10+ national feed manufacturers, Distributors & Sales  to support poultry entrepreneurs via feed loans and offtake agreements, .

Key Partners Include:

• Hybrid Feeds (Olam Agri)
• Topfeeds (FMN Group)
• Vital Feeds (UAC Nigeria)
• Animal Care
• Ultima Feeds (AMO Group)
• Zartech, Bertola, Ewubed, Livestock Feeds Plc, and more.

Through these partnerships, Monivest provides:

• Feed and birds on credit
• Structured repayment via shared output
• Processing and market linkage for broilers and layer eggs

Impact Metrics

Monivest tracks impact in three key domains:

• 📊 Financial Inclusion
  • Over 8,000 savings plans created since 2021
  • Loans disbursed to 4,000+ borrowers, 70% of whom are first-time formal credit users
  • Dividend payouts to member-shareholders since FY2022
• 🧒🏽 Youth & Financial Literacy
  • Financial tools for students and early-career professionals
  • Partnered school outreach in Oyo, FCT, and Benue
  • Interactive savings guides, Gen Z onboarding kits, and group mentorship circles
• 🗺️ Geographic Expansion
  • Now operating in 13 Nigerian states, with rural agent networks in 7 more
  • Expansion plans include:
    • 📍 Oyo State (Pig farming & processing 2025–2026)
    • 📍 Kaduna & Bauchi (Feed distribution & micro-credit)
    • 📍 Anambra & Cross River (Digital savings penetration pilot)

Risk Management & Credit Scoring

We use a hybrid credit scoring model that blends:

• 💼 Financial history
• 🧍 Community reputation
• 📊 Savings consistency
• 📱 Mobile usage data (with consent)

This allows us to lend responsibly and inclusively, while maintaining below 3% default rates across our core loan portfolio.

Core values

Quantifying how Monivest turns cooperative networks into measurable growth — from the farmlands to the balance sheets.

B+

Value of savings, loans, and investments managed annually

%

Average asset growth rate for members within their first 9 months

• 

  Ownership

  We empower our members to be true stakeholders, fostering shared responsibility and collective success.

• 

  Transparency

  Our operations are governed by clear, honest communication and full disclosure—no hidden fees or ambiguous terms.

• 

  Resilience

  Built on a foundation of agricultural experience and financial rigor, we are prepared to navigate market complexities with steadfast determination.

• 

  Practicality

  We deliver pragmatic solutions that address real-world challenges, emphasizing measurable outcomes over rhetoric.

• 

  Community Centricity

  We prioritize collaborative growth, ensuring that value creation benefits all members and partners within our ecosystem.

• 

  Capacity Building

  Through targeted education and training programs, we equip our members with the knowledge and skills necessary to achieve sustainable development.

Our Journey

From Grassroots Dreams to Nationwide Impact

Empowering Savers. Inspiring Owners. Transforming Communities.

Get Free Quote How We Work

Monivest was founded with a bold vision: to merge the trust of traditional cooperatives with the speed and innovation of modern fintech. From our start as a small savings and lending network, we have grown into a licensed multipurpose cooperative society with nationwide reach — linking members to asset ownership, agricultural ventures, and trade opportunities.

We have launched high-impact projects across Nigeria — from cassava operations in Edo, to catfish farming and export in Kogi and Oyo — while building strong partnerships with banks, payment platforms, and over 47 cooperatives. Our model combines data-driven lending, climate-smart farming, and financial literacy to create measurable results in income and security for our members.

Monivest is more than a cooperative; it’s a movement for shared prosperity. Thank you for being part of our journey — together, we turn ideas into income and communities into engines of growth.

Sunday Petra , CEO

Our Roots in Numbers

📍 Based on 2024–2025 FOB average pricing; actuals vary by grade and route.

What Sets Us Apart

✅ Operates at the intersection of finance, trade, and agriculture
✅ Ground-up credibility in the informal economy
✅ Female-led, youth-powered, and locally rooted
✅ Platformized for digital scale — but always people-first
✅ Built not to chase trends, but to outlive them

OUR FEATURES

+500k Satisfied Customers

🔥 Don’t just take our words

I’ve been in business for 15 years, and this is the first time I’m part of a system where both big and small sellers can benefit. Monivest doesn’t just buy — they help you grow.

Aisha Bello

Palm Oil Merchant, Kwara State

My NYSC allowance couldn’t do much, but I saved with Monivest for 10 months and invested in their FMCG supply. Now I’m earning more than my monthly allowance. I wish I knew this earlier.

Moses E.

Youth Corps Member, Rivers State

I put my first ₦50,000 into their collateral-based loan pool. I was scared, but I got my returns exactly as promised. Now I’ve increased my stake and I’m already planning for their pig farm project in Oyo.

Faith Okeke

Young Investor, Lagos

When I need quick cash to restock, Monivest gives me loan same day with my goods as collateral. I no longer lose sales because of waiting for bank approval. And they treat you like family, not just customer.

Alhaji Sani Musa

Trader, Zuba Market, Abuja

I started saving ₦500 every week in the student plan. By exam period, I had enough to pay my hostel fee without calling home. Plus, they deliver palm oil and beans at cheaper rates — lifesaver for hostel cooking.

Chidera Nwafor

Final-Year Student, University of Ibadan