If Traditional Ajo Ends Today… Your History Remains. Credit Value: ₦850,000 (ESTIMATED illustrative value)
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Aunty Bola

💰 Credit Power
₦450,000
ESTIMATED illustrative value — not a loan guarantee
★★★★★Strong
Next Contribution: ₦5,000 • 3 Days Left
Your next contributionDue May 25
🥉
Bronze0–349
🥈
Silver350–599 ● you
🥇
Gold600–799
💎
Platinum800+
520 · 80 points to Gold · ↑ ₦25,000 this month
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Your groupsSee all
TraderTraderGroup
💡 Your group has maintained 95% payment consistency for 4 months.
Group details

Aunty Bola Market Women ✓

AJ-4821 · Weekly · 20 members
Current pot
₦100,000
15 of 20 members paid · 75%Due May 26
TOCAFN+175 still to pay
Next payout
Aunty Ngozi · 2 days 4 hrs₦100,000
92%
Gold trust level
High payment consistency and low disputes
Group Health
Bodija Weekly at a glance
92%
Paid 15/20Late 2Disputes 1Gold
Manage
💰 Payout account

Admins only — where contributions settle. Group money never touches AJOCREDIT.

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Replacement, not cash refund, keeps the group alive.

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Create Group Flow (Wizard)~1 min

Step 1 of 4

What do you call your Ajo group?

Step 2 of 4

How much will members contribute?

₦1,000₦2,000₦5,000₦10,000

Step 3 of 4

How often?

Weekly ✓MonthlyDaily

Step 4 of 4

How many members?

20

Review your group details ✓

Group Name: —
Amount: —
Frequency: —
Members: —
Admin: —

Payout order (default: Random draw)

Random drawAdmin-assignedVoting

Everyone can see the payout order before the group starts.

Learn more

Random draw uses a recorded system shuffle. If the admin sets the order, members get 24 hours to object. Positions can't be jumped by bidding in V1.

⏱ Quick & Easy — Takes less than 1 minute
🛡 Secure — Your money is protected
👁 Transparent — No hidden charges
📈 Build Credit — Every payment counts
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Paying into
Aunty Bola Market Women
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Amount
₦5,000
Pot contribution₦5,000
Service fee (1.5%, paid separately)₦75
Total₦5,075
Your group gets the full ₦5,000 — the fee is charged on top.
Pay withRecommended first
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Transfer or card
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USSD Coming in V2
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Credit power
520
Silver · 80 points to Gold
Estimated credit power
₦750,000 at Silver
ESTIMATED illustrative value — not a loan guarantee
New here? Everyone starts at 250 (low Bronze) — built from your profile alone, never punished for no history. Your first 2–3 on-time payments lift you visibly.
What moves your score
Payment consistency+60
Contribution history+40
Time on AjoCredit+20
Late payments-20
Disputes1 under review excluded
⏳ 1 penalty under review — excluded from Credit Power until resolved (reversed if you're vindicated). Track case
Exit group
Which describes you?
📥
Pre-payout exit
You never collect your turn yet (slot #7)
📤
Post-payout exit
You don collect already — still obligated
How leaving early works

Your spot and remaining payments move to someone new your admin invites. No cash back — your past payments already helped others get paid.

You have 7 days to find them — otherwise the group pauses that spot and adjusts. Everyone is told what changed.

Policy details

Replacement inherits slot + schedule; short-handling + resequence if none found; full audit trail.

Removed by admin?

Same rules apply, and you always get a reason plus a way to appeal. Nobody is removed silently.

Dissolve group?

Over 50% cycles done: admin may dissolve with notice (unpaid members refunded pro-rata). Under 50%: majority must agree. Fraud: platform freezes, per-member review.

Notifications
💰 Contribution due in 3 days
₦5,000 + ₦75 fee · Bodija Weekly · Due May 25
🎉 Payout in 2 days
Aunty Ngozi receives ₦100,000 · 15 of 20 paid
📈 Credit up +₦25,000
95% consistency for 4 months · Silver, 80 to Gold
⏳ Dispute update
Case #231 under review · response within 24h
Disputes
Case #231 — Non-payment
Opened 2 days ago • Standard SLA: respond 24h, resolve 5 business days
Under Review
Open → Triaged → Under Review → Resolved → Closed

Penalty −20 flagged under review — excluded from Credit Power until resolved.

Open a new dispute
Non-payment (paid, not reflected)Payout not receivedWrong amountFraud / impersonation ⚠ high severityAdmin misconduct ⚠ high severityScore dispute

System transaction records decide — screenshots support only, never override. Evidence ≤5 files, 10MB each. High-severity auto-escalates with updates every 48h.

Boniface • 0803… ✓
Profile
Profile Strength 80%

Phone verified +25 • Date of birth +25 • Selfie +30 • BVN/NIN +20 (V2)

🏛 AJOCREDIT Passport
You
Aunty Bola
AJ-774821 · Silver · Gold group
₦450,000
ESTIMATED illustrative value · 92% on-time · 1 group done
Scan to verify

Your history is building safely underneath. Sharing with lenders arrives after licensing.

🧕 Mama Bola: “Welcome. I go show you how AJOCREDIT work.”
Bring Your Group — Earn Rewards
Invites sent 12Joined 5Earned ₦2,500

Move Your Ajo To AJOCREDIT, Get Bonuses. AJ-4821.

Help & disputes
1 case under review

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