Financing Your
Whole Life.
From Education and Housing to Hajj and Business. SGTMCS provides Non Interest Financial support for every milestone.
Our Pillars of Support
What We Offer
Building a financially stable community through cooperative support, halal investments, and welfare services.
Murabaha
Ethical cost-plus financing for your trade and personal needs.
Mudaraba
Profit-sharing partnerships where we provide capital for your expertise.
Qard Hasan
Benevolent, interest-free loans for members during times of need.
Ijara
Shariah-compliant leasing solutions for equipment and assets.
Takaful
Community-based mutual assistance and ethical protection.
Direct Investment
Strategic growth in land, trade, and inventory portfolios.
2025 Impact Report
Direct member financing and ethical trade achievements.
Solar Installation
₦7,258,000
6 Members Supported
Building Materials
₦9,442,450
12 Members Supported
Poultry & Feed
₦11,045,000
4 Members Supported
Auto & Spares
₦9,700,000
5 Members Supported
Tenancy Support
₦4,192,000
15 Members Supported
Smart Phone Financing
₦6,232,000
8 Members Supported
Computer & Accessories
₦1,192,000
3 Members Supported
Bed sheets, curtains & upholstery
₦4,126,000
5 Members Supported
Transparency Report
2025 Financial Impact
Sector-Wise Breakdown
Motorcycle
8 Members
₦3,221,000
Electric & Electronics
4 Members
₦2,880,053
Food Ingredients
2 Members
₦2,396,054
Medication & Drugs
2 Members
₦2,350,000
Furniture
6 Members
₦2,260,000
Exam & School Fees
9 Members
₦1,710,900
Sewing Materials
5 Members
₦4,126,000
Computers
3 Members
₦1,195,000
Soft Drinks
4 Members
₦1,000,000
| Category | Beneficiaries | Disbursed |
|---|---|---|
| Motorcycle | 8 Members | ₦3,221,000 |
| Electric & Electronics | 4 Members | ₦2,880,053 |
| Food Ingredients | 2 Members | ₦2,396,054 |
| Medication & Drugs | 2 Members | ₦2,350,000 |
| Furniture | 6 Members | ₦2,260,000 |
| Exam & School Fees | 9 Members | ₦1,710,900 |
| Sewing Materials | 5 Members | ₦4,126,000 |
| Computers | 3 Members | ₦1,195,000 |
| Soft Drinks | 4 Members | ₦1,000,000 |
*Audited data verified by SGT Audit Committee for the 2025 fiscal cycle.
Get Full PDF ReportGovernance & Risk
Condition of Financing
Maximum Credit Limit: ₦4,000,000.00 is the standard ceiling. Joint requests by 2+ members can exceed this based on individual capacity.
Up to 100% of Savings
No collateral or guarantor required.
₦1 to ₦1,500,000
Referee notification required.
₦1,501,000 to ₦3,000,000
Movable property requires a guarantor or collateral covering 1/3 of the risk. Guarantor must be an existing member.
₦3,001,000 to ₦4,000,000
Movable property requires collateral or 3rd party collateral. Immovable property title documents serve as collateral.
* Credit limits are subject to review every year to ensure community financial health.
Institutional Partners
Fintech & Settlements
Regulatory Supervision
Technology Partner
Tax Compliance
Fintech & Settlements
Regulatory Supervision
Technology Partner
Tax Compliance
Comprehensive Member Support.
Economic Growth
- Business Development
- Transportation
- Farming Support
Halal Living
- Consumer Halal Products
- Halal Investment
- Hajj & Umra
Essential Welfare
- Building & Rent
- Marriage Support
- Disaster Relief
Social Impact
- Educational Support
- Health Care Support
- General Support
Risk Management
Pre-requisites for Financing
Note: The 5Cs of credit (Character, Capacity, Capital, Collateral, and Conditions) are considered in all our dealings.
6-Month Seasoning
Member must be in existence for at least 6 months with consistent regular savings.
Share Acquisition
Must acquire at least one (1) unit of share within 12 months of joining.
Document Filing
Membership application form must be duly signed and returned to the secretariat.
Agreement Finalization
Request and agreement forms must be duly signed immediately after approval.
Member Impact
Real Stories. Real Empowerment.
Hajj & Umra
Alhaji Musa S.
Performing Hajj was my lifelong dream. SGTMCS provided the necessary ethical financing that allowed me to complete my religious obligation without financial stress. The Shariah-compliant process gave me peace of mind.
Real Estate
Khadija B.
I wanted to own a home but didn't want interest-based loans. The housing support scheme at Sharada Green helped my family acquire our property through a transparent Murabaḥah arrangement. Truly empowering.
Education & Impact
Dr. Ibrahim K.
They financed my daughter’s school fees during a tight period. More than a farming cooperative, this is a social safety net that values community welfare above interest-bearing profit. I recommend them highly.
Be part of our
success story.
Experience the power of ethical, interest-free financing. From agriculture to housing, we grow together.