Monivest’s Cooperative Shares program empowers both members and diaspora investors to co-own real, yield-generating projects — from aquaculture export to BNPL credit systems and agro-industrial assets. Legally structured under the Nigerian Cooperative Act, each share is traceable, project-backed, and fully recorded in our member registry.

Shares are accessible from as little as ₦10,000 and offer holders dividend rights, voting rights, and lifetime access to Monivest’s financial ecosystem.

🏦 What You Get as a Shareholder

• 📈 Annual Dividends tied to cooperative surplus (net profit)

• 🗳️ AGM Voting Rights & governance participation

• 🔒 Dashboard Tracking of project allocations, returns, and dividends

• 📜 Legally Registered Certificates of ownership, transferable by will or sale

• 💼 Access to Preferred Products (e.g. pre-approved loans, investor briefings)

💸 Dividend Distribution & Profit Flow

Dividends are declared annually in Q1 based on surplus from the cooperative’s operational year. Members can opt to:

• Reinvest profits in new share cycles

• Receive payout to wallet or bank account

• For diaspora: FX payouts supported in USD, GBP, EUR, and CAD

Last Dividend (2025): ₦11.28/share → 18.8% effective ROI

🔄 Entry & Exit Options

Shares are non-speculative, long-term instruments, but flexible enough to support life events:

• 🧾 Exit Option: Shareholders may request a board-reviewed exit after 24 months

• 🧍 Beneficiary Succession: Next-of-kin can legally claim ownership in the event of death

• 🔁 Internal Transfer: Shareholders may gift or sell shares to verified members

🧮 Valuation & NAV Tracking

Shares are issued at a par value of ₦1,000, but Monivest publishes a quarterly Net Asset Value (NAV) dashboard reflecting the real value of cooperative-backed assets. Share value may increase as surplus grows.

Q2 2025 NAV Estimate: ₦1,163/share (+16.3% YoY)

📊 Portfolio Allocation (as of Q2 2025)

Your shares are backed by a diversified and audited portfolio of Monivest-led operations:

View real-time asset performance in your dashboard.

🧾 Auditing, Transparency & Governance

All cooperative operations are audited annually by an FCT-registered audit firm.

• 📊 Annual Reports accessible via member dashboard

• 🧮 Financial Oversight led by an elected Credit & Audit Committee

• 📄 Compliance: Registered under Monivest Multipurpose Cooperative Society Ltd., Abuja

♻️ ESG & Impact Metrics

Monivest integrates impact into capital:

⚠️ Legal & Risk Disclosure

Monivest Cooperative Shares represent member ownership in real economic projects (such as agriculture, aquaculture, and BNPL credit). These are not bank savings products, and are not insured by the Nigeria Deposit Insurance Corporation (NDIC), any insurance company, or any regulatory body.

Returns are based on declared surplus, not guaranteed interest. They may rise or fall based on project performance, economic conditions, and cooperative-wide income.

🔐 Member Deposits & Wallet Balances

Monivest partners with CBN-licensed financial institutions (e.g. The Alternative Bank, 9PSB, Palmpay) to issue and safeguard member deposits, mobile wallets, and savings. These balances benefit from the protections and oversight provided by Nigeria’s regulated banking ecosystem — including NDIC insurance where applicable on partner bank accounts.

Cooperative share purchases are not NDIC-insured. However, regular member deposits and savings held within partner banks follow NDIC protection rules as issued by those banks.

🛑 Investment Risks

By participating in cooperative shareholding, you agree to the risks inherent in cooperative enterprise models, including:

• Agricultural or operational underperformance

• Climate and environmental disruptions

• FX and market volatility for export projects

• Credit default in BNPL or microloan portfolios

• Delays in project execution or surplus distribution

📜 Member Responsibility

Before acquiring cooperative shares, all members are advised to:

• Read the Monivest Membership Agreement

• Understand the non-insured, non-speculative nature of cooperative investments

• Review quarterly financial reports and surplus declarations

✅ How to Become a Shareholder

1. Create your free Monivest account

2. Complete KYC (National ID, utility bill)

3. Fund your wallet via bank transfer or Palmpay/9PSB

4. Select your share units

5. Track returns and projects in real time from your dashboard

📩 For large or diaspora-based investors, contact us at: equity@monivest.ng