EMTICOS
Interest-free loan at ease

We disburse interest-free loan to members with ease.

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.

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

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.

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

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.

To provide an alternative retirement plans for her members.

To provide a practical and workable model of Islamic finance through co-operative society.