One member, one vote
Whether you save ₦5,000 or ₦500,000 a month, your vote counts the same.
Our story · 1994 to now
Thirty one years of trusting each other.
Unity began as a tin box in a staff room. It is now a society of 4,800 members with its own office, an estate in Kuje and a welfare fund. The rules have hardly changed.
Chapter 01
The years, in sequence.
Five moments that shaped the society, told by the members who were there.
1994
Area 11, payday.
The first meeting was in a staff room, after work, with a tin box and a school exercise book for records. The exercise book is framed in our office.
2001
Registration.
Registered as a multipurpose cooperative society, with bylaws written by members and a committee elected for two years at a time.
2009
Unity Gardens, Kuje.
Members pooled share capital to buy 12 hectares in Kuje for an estate. 140 families now own plots there.
2020
Saving through lockdown.
Members voted to pause loan repayments for three months and released festive savings early. Nobody was charged extra.
2026
4,800 members.
Membership is open to anyone living or working in the FCT. Members pay, borrow and check their savings online.
Chapter 02
In numbers.
Example figures from the 2025 audited accounts.
4800members
₦3.2bnnaira of member savings
₦2.4bnnaira lent to members
98.1%percent of loans repaid on time
Example figures for this demo.
Chapter 03
What we believe.
Four principles from our bylaws, in plain words.
Fair rates, set together
Members vote on loan rates every year at the AGM.
People vouch for people
Every loan has two member guarantors.
Nobody falls alone
A share of every surplus goes to the welfare fund.
Chapter 04
In members’ words.
Signed as examples.
I joined as a driver in 1998. My children went to university on Unity school fees loans.
The AGM is the only meeting where I feel my vote really counts.
When my husband died, the welfare fund paid within a week.
Become part of the story.
Membership is open to anyone living or working in the FCT.