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Financial Inclusion Solutions
ACCSA (Agri-Cooperatives Credit & Savings Advisory) Services
Agrisccos Ltd has well-equipped and functional offices at its Agro-Services Centres (UASC) physically located in Rural & Semi-urban Areas across Nigeria

CAFFAS: Cooperatives Agric-Finance Facilitation Advisory Services 
It has been estimated that there over 250,000 agro-based cooperative societies in Nigeria with an aggregate membership of more than 50million. Formal lending to these cooperative societies and their members has been very low due to stringent terms and conditions by commercial banks.
As Super-agent, while we play our primary role of aggregating and on-boarding agro-based cooperative societies and their members to become customers of our mother bank, we understand the need to provide these cooperative societies with sound financial advisory services that can help in structuring and guiding them to directly or indirectly meet the basic requirements for accessing funds in the form of grants, equity or debt financing from our mother Bank and/or local and international development finance organizations.

Please click HERE to contact us for more information on CAFFAS or visit any of our UASC Centres nearest to you.​

ABLE (Agri-Business Loans for Enterprises) Services

Agribusiness MSMEs in the rural and semi-urban areas in Nigeria at the most disadvantaged in accessing credit and loans from the formal banking sector. This is mainly because their businesses are unstructured, highly risky and cannot meet the stringent lending conditions of deposit money banks (DMBs). Also, given the remoteness of their locations, DMBs lack the requisite capacity to effectively monitor loans given to these agribusiness MSMEs. This has created a huge gap and lopsidedness in funding of agribusiness sector, the foundation of Nigeria's economy. To bridge this funding gap, Agrisccos Ltd continues to provide several support services to agro-based multi-purpose cooperative societies (MPCs) in the rural and semi-urban areas to enable them to provide customized agribusiness loans for their members based on principles guiding cooperatives lending which includes acceptance of some of the conditions outside the risk acceptance criteria of DMBs. 

Please click HERE to contact us for more information on ABLEs or visit any of our UASC Centres nearest to you.​

SEEM (Savings Encouragement, Enhancement & Mobilization) Services

Nigeria's agriculture is still dependent on smallholder farmers who cultivate less than ten hectares of land per farmer, as the produce over 85% of food and fibre consumed by household and industry. Besides, these farmers depend on the natural rainfall, hence can farm only once in a year. These challenges have, over the years, kept these farmers in a vicious cycle of poverty and economic misery.  

At ASCCOS Ltd, we recognize the critical importance of farming as the foundation of Nigeria's economy and has designed several support services to ensure that customized agro-finance products are availed to these farmers through their MPCs. This is intended to assist these farmers upscale their investments in farming to increase their incomes and be able to save part of their incomes for their business expansion and diversification. We work with MPCs to ensure that farmers and other agro-MSMEs in the rural and semi-urban areas are encouraged and sensitized to save in the following ways in order to contribute in our objective of low-cost fund mobilization for our mother DMBs which we are the mega agent.  

  • SMALL (Savings Mobilization on Agribusiness Lending & Loans)

  • Thrift Savings 

  • 3PICA: 3rd Party Introducer Current Account

Please click HERE to contact us for more information on ABLEs or visit any of our UASC Centres nearest to you.​

AFRIC (Agri-Facilitating Rural Investment Credit) Services

In Nigeria today, more than 85% of food and fibre for household and industrial  consumption are produced by farmers in the rural and semi-urban areas. Over the years, the rural-urban migration of young and able-bodied men and women has been due to paucity of infrastructures in these areas. This has drastically affected production and evacuation of farm produce, socioeconomic activities and the quality of life in the rural and  semi-urban areas. 


At Agrisccos Ltd, we understand the importance roles of rural and semi-urban economies to the overall development of the agricultural sectors and Nigeria's economy. To this end, we have designed the Agri-Facilitating Rural Investment Credit Services (AFRICS) to support agro-based Multi-Purpose Cooperatives Societies (MPCs) to provide AFRIC for their members residing and working in rural and semi-urban communities through the provision of the following micro-infrastructures. 

  • Road grading, culverts and bridges

  • Pipe borne water

  • Irrigation facilities

  • Solar powered electricity

  • Schools

  • Public toilets

  • Markets


Please click HERE to contact us for more information on ABLEs or visit any of our UASC Centres nearest to you.​

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