What made you join Monivest?

I found out about Monivest through a WhatsApp group called "Smart Hustle Farmers Network". One of the members, Emeka Damilare, shared a voice note about how he got dividends from a cassava project in Edo State. At first, I ignored it. I’ve been in many of those groups where people push one Ponzi scheme after the other. But then Mrs. Petra Sunday, one of the Monivest support staff, personally joined the group the next day to answer people’s questions. That caught my attention.

She was patient, explained how their cooperative works, and even dropped pictures from Ajegu Farm on Okpachala Road in Idah, Kogi State — a place I know very well. That gave me a level of trust I hadn't felt with other platforms.

So I decided to start small with ₦10,000 in the Target Savings plan. No pressure, just to see for myself.

What made you continue? What stood out?

Monivest didn’t just take my money and go silent. After registering, Mrs. Petra called me to confirm my registration and assigned me to a savings manager — Ijeoma from the Lagos office. She explained the different saving cycles, credit options, and how I could even buy cooperative shares and earn quarterly returns.

I later joined the Ajegu Catfish Export Cycle, and I started getting project updates from Mr. Kayode, the farm coordinator in Idah. I was shocked — these people weren’t hiding behind tech. They were available. Human. That’s rare these days.

How has Monivest helped you financially?

Before Monivest, I used to do “ajo” (thrift contribution) with friends. It worked… until someone ran away with the pot. After that, I was discouraged. But with Monivest, my savings were safe, structured, and actually growing. Within five months, I had saved enough to join the Xmas Broiler Plan. I got returns and a live chicken delivered to my sister in Kuje, Abuja.

I also accessed a ₦150,000 micro-loan to restock my mini provision store during Sallah, thanks to Mr. Olumide, one of their credit officers.

Now I feel in control. I save, I invest, and I even earn passive income from my shares.

What’s your long-term goal — and how is Monivest helping you get there?

My goal is to build a food distribution chain that supplies processed catfish and cassava flour from Kogi to Lagos and Benin. It’s ambitious, but Monivest is giving me a platform. Through them, I’ve made contacts — like Mrs. Bilikisu, one of their field partners in Edo — and I’ve also been learning how cooperative loans work, how to build credit, and how to invest smarter.

I’m not there yet, but at least now I’m walking in the right direction.

Were there moments of doubt?

Definitely. The first time I saw “Monivest.ng,” I thought: “Here we go again.” Too many websites promise heaven and vanish overnight. But Monivest was different. I verified their CAC registration as a cooperative, visited their Ajegu project site in Idah, and even walked into their Lagos office at 39 Alfred Rewane Road, Ikoyi just to be sure.

They didn’t hide anything. Everything was open.

What would you tell someone thinking about joining Monivest?

Start with what you can afford to lose — that’s what I did. But give it a chance. This isn’t one of those get-rich-fast apps. It’s a real cooperative, with real people, doing real things.

And the best part? You own a part of what you're building. You're not just saving — you’re investing in something that gives back.

"For the first time, I feel like I’m not just hustling. I’m building. And I’m not building alone. Monivest gave me that community."