About JOBA Finance
Empowering communities through cooperative financial solutions since 2014.
What Drives Us
Our mission, vision, and core values are the foundation of everything we do at JOBA Finance.
Our Mission
To democratize wealth creation through community-driven cooperative finance.
Our Vision
A Nigeria where every individual has access to fair, transparent financial services.
Our Values
- Transparency
- Community
- Growth
- Integrity
Our Story
A decade of building trust, growing wealth, and strengthening communities across Nigeria.
Founded with 50 Members
JOBA Finance was established by a group of visionary Nigerians committed to building a community-driven financial cooperative that puts members first.
Founded with 50 Members
JOBA Finance was established by a group of visionary Nigerians committed to building a community-driven financial cooperative that puts members first.
Reached ₦100M in Total Savings
In just two years, members collectively saved over one hundred million Naira, proving the power of cooperative finance.
Reached ₦100M in Total Savings
In just two years, members collectively saved over one hundred million Naira, proving the power of cooperative finance.
Launched Digital Platform
We introduced our online portal and mobile app, making it easier than ever for members to manage savings, apply for loans, and track dividends.
Launched Digital Platform
We introduced our online portal and mobile app, making it easier than ever for members to manage savings, apply for loans, and track dividends.
5,000 Active Members Milestone
Our community grew to over five thousand active members across Lagos, Abuja, and Port Harcourt, solidifying our presence nationwide.
5,000 Active Members Milestone
Our community grew to over five thousand active members across Lagos, Abuja, and Port Harcourt, solidifying our presence nationwide.
Introduced Gold Tier Dividends at 8.5%
We launched our premium Gold Tier membership offering industry-leading 8.5% annual dividends to reward long-term savers.
Introduced Gold Tier Dividends at 8.5%
We launched our premium Gold Tier membership offering industry-leading 8.5% annual dividends to reward long-term savers.
₦2.5B in Managed Assets
JOBA Finance now manages over two and a half billion Naira in assets, a testament to the trust our members place in us every day.
₦2.5B in Managed Assets
JOBA Finance now manages over two and a half billion Naira in assets, a testament to the trust our members place in us every day.
Leadership Team
Meet the experienced professionals steering JOBA Finance toward sustainable growth and member prosperity.
Adeola Bakare
Managing DirectorA veteran financial strategist with over 18 years of experience in cooperative banking and community development finance across West Africa.
Chidinma Okafor
Chief Financial OfficerChartered accountant and former senior auditor at PwC Nigeria, Chidinma ensures fiscal discipline and transparent financial reporting for all members.
Babajide Ogunleye
Head of OperationsOperations excellence leader who streamlined loan disbursement to under 24 hours, transforming the member experience at JOBA Finance.
Funke Adeyemi
Head of Member ServicesPassionate advocate for financial literacy, Funke leads member engagement programs that have onboarded thousands of first-time savers.
Why Choose JOBA
We combine the trust of a cooperative with the innovation of a modern fintech platform.
Competitive Returns
8.5% p.a.
Earn industry-leading annual dividends on your savings with our Gold Tier membership programme.
Quick Loan Access
24hr Processing
Get approved and funded within 24 hours. No lengthy paperwork, no hidden fees, no unnecessary delays.
Transparent Operations
Real-time Tracking
Monitor your savings, loan repayments, and dividend accruals in real-time through our digital dashboard.
Community First
Member-Governed
Every member has a voice. Our cooperative model ensures democratic governance and shared prosperity.
Ready to Join Our Community?
Become part of Nigeria's fastest-growing cooperative finance platform. Start saving, earn dividends, and access affordable credit today.