A smartphone, Active Bank Account, and a Debit Card.

No, you will not be charged any fee at all. This is a voluntary saving so you are only debited when you have the exact savings amount or more in your bank account. A missed contribution would not be carried over.

1. Ajo - This is specially designed to meet up with defined projects, members can save or contribute a range of N1000 to N2499 daily.

2. Projectsave - This is specially designed to meet up with defined projects, members can save or contribute a range of N1000 to N2499 daily, while weekly or monthly contributors are with no contribution limit, for a minimum period of 4 months. ROI is 12% per annum, payable daily.

3. Powersave - This is specially designed to meet up with defined projects, members can save or contribute a range of N500 to N2500 daily, while weekly or monthly contributors are with no contribution limit, for a minimum period of 7 months. ROI is 20% per annum, payable daily.

4. Emergency Fund - We understand that while people save for projects, unforeseen emergencies may arise to distort their saving plan, and as well distort the accomplishment of their goal. You do not have to liquidate your savings. Borrow loans as low as 2% flat. To borrow more than your contribution, you would require a surety (a friend or family member who is a member of FaJo)

Interest is paid daily into your interest withdrawable wallet account.