Grow your money, together.
AUSCA Micro Finance Cooperative is owned by its members, a place to save, borrow and build on fair terms, with people who've got your back. Affordable loans, savings that grow, and welfare when it matters.
across Nigeria
Members · Head OfficeFamily protected
A cooperative that answers to its members, because they own it.
For 26 years, AUSCA has turned members' pooled savings into affordable credit, welfare and lasting wealth. Regulated under the CMFI framework, member-first in everything we do.
Inspired cooperative service, from a well-trained, motivated team.
To be the best cooperative service provider for our members.
Our team & membersPart of the AUSCA Cooperative Movement.
AUSCA Micro Finance is one of several societies under the AUSCA Cooperative Movement — an umbrella that unites cooperatives across finance, trade and agriculture to serve members end to end.
AUSCA Cooperative Movement is the umbrella body that unites and coordinates a network of affiliated cooperative societies established to provide comprehensive economic, financial, agricultural, commercial and social solutions to members. It is a common platform for existing affiliates and future societies admitted based on their commitment to the vision of the Movement.
AUSCA Cooperative Movement
One movement, multiple solutions.
Cooperative Financial Institutions
The Micro Finance societies provide savings, investments, affordable loans, business financing, wealth creation, welfare, retirement planning and educational support to improve members' financial well-being.
- AUSCA Micro Finance Cooperative Society Ltd.
- D'AUSCA Micro Finance Cooperative Society Ltd.
- MPVL Micro Finance Cooperative Society Ltd.
Multipurpose Cooperative Societies
Focused on production, manufacturing, procurement, distribution and marketing of essential products, including D'AUSCA Rice and the D'AUSCA Super Stores, making quality goods available to members at affordable prices.
- AUSCA Multipurpose Cooperative Society Ltd.
- D'AUSCA Multipurpose Cooperative Society Ltd.
Agro & Allied
IHEUBI Agro & Allied is the agricultural hub — cultivating, processing and supplying produce and raw materials, ensuring food security and feeding the production of other affiliates.
- IHEUBI Agro & Allied Cooperative Society Ltd.
Everything a member needs, in one cooperative.
Nine ways to save, borrow, protect and grow, all owned in common, all on member-first terms.
Membership Savings
Grow your money at 12–18% per annum.
Learn more →Membership Loans
Affordable credit against your savings, 2–10%.
Learn more →Membership Welfare
A safety net for life's big moments, from ₦500/month.
Learn more →Food Security
Keep essentials within reach, all year round.
Learn more →Property Management
Property management and business advisory.
Learn more →Wealth Maximization
Plans that compound your money over time.
Learn more →Asset Procurement
Get the assets you need, pay over time.
Learn more →Logistics
Moving goods and value across the network.
Learn more →Security & Solar
Security and solar solutions for members.
Learn more →A cooperative is, above all, its people.
Members, staff and partners across the country, saving, building and celebrating together.
Market day in the community
Member onboarding
Small business
Everyday trade
A branch in the communityThe upside of ownership.
Members, at the centreYou own a share
Every member is a part-owner. Surplus comes back to you as dividends, not to outside shareholders.
Loans on fair terms
Borrow at 2–10% with approval in as little as 21 days. Strong savers can access credit without collateral.
Savings that grow
Earn 12–18% per annum on special savings and fixed deposits, well above the high street.
Welfare & security
Welfare cover, food security and asset procurement stand behind you and your family.
Regulated & safeguarded
Operated under the CMFI framework with prudent liquidity oversight, so deposits are protected.
Join in minutes. Grow for years.
Pick a membership type, start contributing, and unlock the full cooperative, savings, credit and welfare.
Register
Choose associate, full or corporate membership and open your account online or at a branch.
Save & contribute
Fund your savings on any schedule that suits you, cash, transfer or from the app.
Access credit
Apply for a loan against your savings; get a decision and disbursement in about 21 days.
Share the surplus
Earn interest on savings, plus your share of the cooperative's yearly surplus as an owner.
Built on trust, one member at a time.
The loan came through when my business needed stock most, fair rate, no drama. Seven years a member now.
My savings actually grow here. And the welfare cover for my family gives real peace of mind.
Asset Procurement let me get what I needed and pay small-small. That's what a cooperative should feel like.
Frequently asked questions.
What do I get as a member? +
Ownership in the cooperative, cheaper loans, competitive savings, welfare programmes and a share of the yearly surplus. You're a part-owner, not just a customer.
Are my deposits safe? +
Yes. AUSCA operates under the CMFI policy framework with prudent liquidity oversight (aligned to CBN guidance), so members' deposits are safeguarded.
What do I need to get a loan? +
Loans typically require surety or collateral, but a healthy savings turnover can unlock unsecured access. Most loans are processed within about 21 days.
How do I join? +
Register online or at a branch, choose your membership type (associate, full or corporate), and start saving. Manage everything from the AUSCA app.
Become an owner, not just a customer.
Join 9,900+ Nigerians building savings, credit and welfare together. It takes a few minutes to start.