Cooperative Finance, Reimagined

Your cooperative.
Every naira,
accounted for.

Ije is the all-in-one management platform built for Nigerian cooperative societies — savings, loans, shares, governance, and your brand, on one system.

Start Free — 1 Month See how it works
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Trusted by cooperative societies
across Nigeria. Join them today.
✅
Loan Approved
₦750,000 · Adaeze O.
Clearbrooks Coop
Member Dashboard
AO
Adaeze Okonkwo
Member · CLB-00847
Total Savings Balance
₦0
₦12,500 this month
Loan Eligible
₦1,250,000
Shares Held
250 units
Active Loan
On track
Dividend
₦38,200
Recent Activity
Savings deposit +₦25,000
Loan repayment −₦18,500
Dividend credit +₦38,200
📊
Report Ready
Q2 Financial Statement
Built for Nigerian
cooperatives
₦0
Setup cost
30days
Free trial
3wks
To go live
12+
Modules included
99.9%
Uptime SLA
Why Ije

Everything your cooperative needs. Nothing it doesn't.

Ije was built by Nigerians, for Nigerian cooperative societies. Every feature reflects how your cooperative actually works — not how foreign software assumes it should.

💳
Savings-driven loans
No arbitrary loan tiers. Members borrow based on what they've saved. You set the ratio — the system handles the rest.
🏷️
Your brand, fully
Your logo, your colours, your domain. Members experience your cooperative's platform — not a third-party tool.
⚡
Live in 3 weeks
We handle provisioning, data migration, and training. Your cooperative is fully operational before the free trial ends.
🔒
Zero-Trust security
AES-256 encryption, MFA for all admins, immutable audit trails, and daily encrypted backups. Security is not an add-on.
📱
Works everywhere
Fully responsive on desktop, tablet, and mobile. Members check savings and admins approve loans from any device.
📈
Scales with you
Start on Starter, grow into Growth and Pro. No data migration, no rebuilds — your plan changes, the platform stays the same.
Loan Eligibility · Live Preview
Emeka Eze · EMB-01142 Active · 18 months
Total Savings ₦250,000
Savings ratio 5× configured
Savings consistency ✓ 18 months
Maximum Eligible Loan
₦1,250,000
Based on 5× savings balance — computed instantly
Savings utilised ₦250k of ₦1.25M
Eligible — all conditions met. Ready to apply.
Loan Engine

Loans that reflect what members have earned.

No rigid product tiers. No arbitrary limits. Ije's loan eligibility engine works the way Nigerian cooperatives actually work — members borrow based on their savings. You configure the ratio, the consistency requirements, and the caps. The system does the rest, in real time.

✓
Configurable savings-to-loan ratios — 3×, 5×, or any multiple you set
✓
Multi-stage approval workflow — Officer, Committee, Board
✓
Repayment schedule export for payroll/bursary deduction
✓
Automated NPL flagging and SMS/email repayment reminders
Complete Platform

Every module your cooperative runs on.

From member onboarding to year-end dividend distribution — Ije covers the full lifecycle without stitching together separate tools.

👥
Member Management
KYC, profiles, member IDs, status tracking, self-service portal
💰
Savings Management
Multiple savings products, interest computation, passbook, bulk posting
🏦
Loan Management
Eligibility engine, approvals, disbursement tracking, NPL alerts
📜
Share Capital
Subscriptions, transfers, balance history, digital certificates
🎁
Dividend Distribution
Year-end surplus, configurable formulae, per-member statements
🛒
Commodities Store
Catalogue, inventory, member purchasing, instalment plans
🏛️
Meetings & Governance
AGM scheduling, digital minutes, resolutions, document repository
📊
Financial Reports
Trial balance, income statement, balance sheet, PDF & Excel export
🎨
Brand Studio
Logo, colours, custom domain, branded emails and documents
🔔
Notifications
In-app, email, and SMS across all member-facing events
💬
Complaint Management
Member ticketing, admin response, status tracking and escalation
🔐
Security & Audit
MFA, RBAC, AES-256 encryption, immutable audit trail
Simple Pricing

Flat monthly subscription.
No surprises.

Pay a fixed amount each month based on your member count — not per-user billing that penalises growth. Start free, upgrade when you're ready.

Starter
₦50,000
per month
Up to 200 members
  • Member management
  • Savings management
  • Loan management
  • Share capital tracking
  • Dividend distribution
  • Basic financial reports
  • Ije badge branding
  • Email support
  • Commodities module
  • Meetings & governance
  • SMS notifications
Start Free Trial
Popular
Growth
₦120,000
per month
Up to 500 members
  • Everything in Starter
  • Commodities store
  • Meetings & governance
  • Complaint management
  • SMS notifications
  • Full financial reports
  • Full white-label branding
  • Custom domain
  • Email + Chat support
  • API access
Start Free Trial
Pro
₦250,000
per month
Up to 2,000 members
  • Everything in Growth
  • Full + custom reports
  • Priority support
  • Advanced audit tools
  • Reduced overage rate
  • Dedicated onboarding
  • API access
Get Started
Enterprise
Custom
tailored pricing
Unlimited members
  • Everything in Pro
  • API access
  • Payroll integrations
  • Custom reporting
  • Dedicated SLA
  • Private instance option
  • Strategic account manager
Contact Us

Overage: ₦400/member/month above cap (Starter & Growth) · ₦300/member/month (Pro) · All plans include a one-time onboarding fee

Limited Offer
30 days free.
No credit card needed.
Your cooperative is fully onboarded, branded, and live — before you pay a single naira.
Claim Free Trial Talk to us