01 — Save together
A shared ledger every member can verify
Every deposit is recorded against the group's digital ledger. Secretaries verify contributions and members view the group balance in real time, eliminating disputes at share-out.
Secure savings and credit for cooperative farmers.
AgriCircle digitises the Village Savings and Loan Association — recording every contribution, loan, and share-out — so members across Ghana can save and borrow with bank-grade security and full transparency.
12%
Annual loan interest, versus typical informal-lender rates
8%
Interest earned on member savings, distributed at share-out
*715#
USSD access — no smartphone required
5
Languages: English, Twi, Ewe, Dagbani, Hausa
02 — Borrow fairly
Affordable loans, approved online
Apply for a loan of up to three times your savings balance. Larger loans require maker-checker approval; smaller loans are approved instantly. No hidden fees.
03 — Grow your farm
Inputs, buyers, and insurance in one place
The marketplace connects members to seeds, fertiliser, crop buyers, and index insurance at prices negotiated for the cooperative rather than the individual.
Bring your savings group online
Create an account to register your group, manage contributions, and access credit and markets — all from one secure platform.