№ 01 / Save together
A shared book every member can read.
Every cedi deposited is logged against the group's digital ledger. Secretaries verify contributions; members see the group balance live. No disputes at share-out.
Keep the book.
Grow the harvest.
AgriCircle digitises the VSLA notebook — every contribution, every loan, every share-out — so women farmers across Ghana can save together with the confidence of a bank and the rhythm of a village.
12%
Annual loan interest — a third of what money-lenders charge
8%
Interest earned on savings, paid out at share-out
*715#
Works over USSD — no smartphone required
5
Languages: English, Twi, Ewe, Dagbani, Hausa
№ 02 / Borrow fairly
Loans at village rates, online.
Apply for a loan up to three times your savings balance. Maker-checker approval above a threshold, instant approval below. No loan sharks, no hidden fees.
№ 03 / Grow your farm
Inputs, buyers, training, insurance.
The marketplace puts seeds, fertiliser, crop buyers and index insurance one tap away — at prices negotiated for the cooperative, not the individual.
— a circle is a book with no beginning and no end. Each contribution turns the page.