01 · Member accounts
Every member owns their account — and watches it move.
Personal NUBAN, live balance, and an SMS the moment a deposit lands. No more “what did I pay last month?” arguments.
AB
Aisha Bello
NUBAN · 9012345678
₦184,500
↑ ₦25k today
Cooperative & Thrift Management Software · 100% Halal & Interest-Free
The all-in-one software for cooperatives & members.
Replace paper passbooks, notebooks, and messy Excel sheets with an easy mobile & web app. 100% interest-free (zero riba). Built so members watch their savings grow and leaders run smooth, dispute-free AGMs.
How It Works for Leaders & Admins
Members pay into dedicated bank accounts (NUBAN), deposits reconcile automatically, and your AGM report is ready in 1 click.
How It Works for Members
Get your own personal bank account number to save, receive instant SMS when money lands, and apply for interest-free halal loans on your phone.
Are you a member?Find your cooperative & check your balance
100% Halal & Interest-Free (Zero Riba) Dedicated Member NUBANs Migrate from Excel in 24 hours
ع
Ar-Rayyan Cooperative
Chairman dashboard · This month
Live
Members
1,284
↑ 42 this month
Savings
₦47M
↑ ₦3.2M
Active loans
312
0 overdue
Live ledger
AB
Aisha Bello
Deposit · Just now
+₦25,000
YI
Yusuf Ibrahim
Qard Hasan repayment · 2m ago
+₦8,500
FS
Fatima Sani
Loan disbursed · 11m ago
₦120,000
Trusted by cooperatives across Nigeria
Ar-Rayyan CoopKano Thrift UnionLagos Workers Co-opIbadan Savings SocietyAbuja Federation
The reality on the ground
Cooperatives don't die from competition. They die from silence between AGMs.
Every recent cooperative scandal in Nigeria followed the same pattern: paper records, manual reconciliation, members kept in the dark.
Pain 01Records
Two ledgers, three figures, one argument.
The secretary's Excel, the chairman's notebook, and the bank statement never agree. By AGM, nobody trusts anyone.
Pain 02Access
“I have been waiting six months for my own savings.”
Withdrawals stuck in approval chains. Loans that take meetings to issue. Members start asking what the committee is hiding.
Pain 03Trust
One missing entry. One front-page story.
When records can't be verified, accusations follow. Good committees get tarred with bad ones — and the whole movement suffers.
ProntoCoop fixes all three at the source: one source of truth, instant member visibility, and a Shariah-aligned audit trail — by default.
What you get
Six ways ProntoCoop earns your members' trust on day one.
Designed alongside cooperative chairmen, finance secretaries, and Shariah advisers — so the platform reflects how Nigerian cooperatives actually run, not how Silicon Valley imagines them.
02
Halal loans approved in minutes.
Eligibility auto-calculated. Profit-sharing templates, never interest.
03
Bank deposits that reconcile themselves.
Members pay through your bank. Contributions match the statement automatically.
04 · Audit trail
An audit trail your AGM can stand on.
Every kobo signed, timestamped, and exportable. Your auditor, Shariah adviser, and members each get exactly what they need.
SignedTimestampedExportableRead-only logs
05 · Shariah
Shariah guardrails, not afterthoughts.
Approval flows, profit-sharing rules, and reports designed with Islamic finance advisers — so your board signs off before you go live.
06 · Dashboard
One dashboard the chairman can read.
Monthly savings, loan portfolio, and profit distribution on a single screen. Built so a finance secretary can run it and a chairman can review it.
Savings
₦47M
↑ 7%
Loans
₦18M
0 overdue
Profit share
₦2.4M
Q3 distrib.
07 · Ajo Cycles
Automated Ajo & Esusu rounds.
Algorithmic turn rotation, automated NUBAN deductions, and transparent peer accountability.
08 · Marketplace
Halal commodity marketplace.
Bulk food procurement, member storefronts, and 1-click Murabaha asset financing.
09 · Elections
Digital AGM secret balloting.
Nominate executive candidates, cast encrypted votes, and pass AGM resolutions online.
See every feature in action — in a 15-minute walkthrough with our team.
Explore all featuresFrom Excel to evidence
Up and running before your next committee meeting.
Four steps. No accountant required. Your onboarding manager walks you through the first day, then steps back.
01
Register your cooperative
Set up your co-op profile, by-laws, and signing officers in under 15 minutes.
02
Invite your members
Bulk-upload your member register; each member gets a personal account and login by SMS.
03
Run savings and halal loans
Members deposit through the bank, the system reconciles, the committee approves loans by policy.
04
Show your members the books
Live balances, signed transactions, exportable AGM reports. Trust becomes the default.
Start your free trial
14 days free · No card required · Cancel anytime
Why cooperatives switch
Islamic finance principles meet Nigerian operational reality.
Not just “cloud software.” ProntoCoop is built for low-bandwidth offices, SMS-only members, and committees that answer to a Shariah board.
01
Members see their own ledger, anytime
End the 'where is my money?' conversation. Every contribution and loan repayment shows up on the member's phone the moment it lands.
02
No interest, by design
Built around profit-sharing (Mudarabah) and interest-free loans (Qard Hasan). Your Shariah adviser reviews the workflow before launch.
03
Bank-grade security, hosted in Nigeria
Encrypted in transit and at rest, role-based access, and full activity logs. Your members' data does not leave the country.
04
Audit-ready, every day
Pull a Shariah-compliant audit pack in one click. AGMs become preparation, not panic.
05
Built for Nigerian realities
Works when your accountant is offline, when NEPA takes light, and when your member only has SMS.
06
Grows with your federation
Start with one cooperative; add branches, unions, or federations without changing the platform.
100%
Interest-free by design
<15 min
From signup to first member
24/7
Member access to their balance
0
Spreadsheets at month-end
Our AGM used to take three weekends to prepare. With ProntoCoop, the reports were ready in an afternoon — and for the first time, no member challenged a single figure.
AH
Alh. Ahmad Hassan
Chairman, Ar-Rayyan Cooperative
“I stopped chasing tellers for deposit slips. The bank reconciles directly into the system, and I sleep at night.”
— Hajia Fatima Ibrahim, Finance Secretary, Ar-Rayyan Cooperative
Halal, transparent pricing
Pay for what your cooperative actually uses.
No hidden interest. No setup fees. Move up or down a tier whenever your membership grows.
Starter
₦20,000/month
100 transactions included · ₦50 per extra
For cooperatives moving off Excel and WhatsApp for the first time.
- Personal NUBAN per member
- Halal loan workflows
- SMS & email notifications
- AGM-ready reports
Most popular
Growth
₦35,000/month
200 transactions included · ₦50 per extra
For established cooperatives running multiple savings products and loan tiers.
- Everything in Starter
- Custom branding & domains
- Bulk report exports
- Multi-tier loan workflows
- Priority support
Federation
From ₦70,000/month
500+ transactions · multi-cooperative groups
For unions, federations, and cooperatives managing investment portfolios.
- Everything in Growth
- Investment management
- Dedicated success manager
- Custom Shariah review
- On-site onboarding
14-day free trialNo card requiredHosted in NigeriaCancel anytime
Managing a federation or union of cooperatives? Email [email protected] for a tailored quote.
Before you ask
The questions chairmen and treasurers ask us most.
Don't see your question? Email [email protected] — a real person replies within one business day.
Islamic Finance
Features
Security
Support
Your next AGM
Can be the easiest one you've ever run.
Move your member register, savings, and loan records onto ProntoCoop before your next committee meeting. Onboarding help included.
Shariah-aligned Hosted in Nigeria No card required Cancel anytime