EMTICOS
Interest-free loan at ease

We disburse interest-free loan to members with ease.

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EMTICOS
Online Co-operative Scheme

We operate under the tenets of Islamic Sharia Finance ensuring that a win-win balanced
approach for all is sustained for the benefit of all.

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EMTICOS
Investment

We invest our collective wealth in Sharia compliant approach for the benefit of all.

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EMTICOS
RETURN ON INVESTMENT

We pay our members returns on their contributions base on the percentage stake
they have in the investment – this is done as profit is realized.

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Why Choose Us

Web Development
Non-Interest Cooperative
Web Development
Non-Interest Loan
Web Development
Sharia Compliant Investment
Web Development
Returns on Investment
Web Development
Open Book Transparent Operations
138

Members

1277

Loans Disbursed No

10,000,000

Loans Disbursed Value

99

Return on Investment

About Us

Vision Statement

To create a just and equity financial society that is devoid of riba.

Mission Statement

To establish a co-operative society that operates on core principles of Islamic finance for the benefits of her members and the society at large.

Objectives:
  • To provide an alternative retirement plans for her members.
  • To provide a practical and workable model of Islamic finance through co-operative society.
  • Core Values:
    • Integrity
    • Transparency
    • Brotherhood
    • Solidarity