Decrown Pass Thrift and Cooperative Limited**

1. Introduction

Decrown Pass Thrift and Cooperative Limited is a duly registered cooperative organization established to promote financial empowerment, savings culture, and sustainable economic growth among its members. The cooperative was founded on strong values of trust, transparency, accountability, and member-focused service delivery.
We exist to provide accessible financial solutions, support small businesses, and help individuals achieve long-term financial security.

2. Our Vision

To become a leading and trusted thrift and cooperative society in Nigeria, recognized for empowering members through innovative savings, loan services, and community-focused economic initiatives.

3. Our Mission

  • To promote disciplined savings among members.
  • To provide easy-access, low-interest loan facilities.
  • To support SMEs, traders, workers, and entrepreneurs.
  • To foster financial inclusion and wealth creation within our community.
  • To build a cooperative where members prosper together.

4. Our Core Values

  • Integrity: We operate with transparency and honesty.
  • Accountability: Every member’s contribution is treated with utmost responsibility.
  • Trust: We build lasting relationships based on confidence and reliability.
  • Unity: Together, we achieve more.
  • Growth: We create opportunities for financial advancement.

5. Our Services

Decrown Pass Thrift and Cooperative Limited offers a range of member-centered financial services tailored to meet everyday needs:

✔ Daily, Weekly & Monthly Contributions (Ajo / Esusu / Thrift Collection)

Members enjoy flexible and reliable savings plans designed to encourage a consistent savings culture.

✔ Cooperative Loans

We offer easy-access loans at competitive interest rates to support:

  • Business expansion
  • School fees
  • Rent support
  • Emergency needs
  • Personal projects

✔ Savings Accounts

Secure savings packages with good returns to help members grow wealth over time.

✔ Target Savings

Customized savings plans for specific goals such as building projects, travel plans, business capital, and more.

✔ Investment Opportunities

Members can participate in cooperative-funded projects that generate collective profits.

6. Membership Benefits

  • Access to low-interest loans
  • Financial security and empowerment
  • Profit-sharing and annual dividends
  • Business support and growth opportunities
  • Flexible contribution plans
  • Transparent financial management
  • Financial education and advisory support

7. Governance Structure

Decrown Pass Thrift and Cooperative Limited is managed by an experienced and committed Board of Trustees and Executive Officers who oversee operations with fairness and professionalism.
Management ensures compliance with cooperative laws, proper auditing, and efficient service delivery.

8. Target Audience

Our cooperative services are designed for:

  • Traders
  • Civil servants
  • Private sector workers
  • Market women/men
  • Entrepreneurs
  • SMEs
  • Students
  • Low and middle-income earners seeking financial growth

9. Why Choose Us?

  • Reliable and transparent operations
  • Member-first financial policies
  • Fast and secure loan processing
  • Strong accountability system
  • Excellent record-keeping and reporting
  • Dedicated customer service
  • Proven cooperative model that drives growth

10. Contact Information

Decrown Pass Thrift and Cooperative Limited
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