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SmartAjo is a trusted rotational savings system designed to help individuals build financial discipline and achieve structured savings goals through consistent contributions within a secured cycle.
Every participant undergoes strict verification including identity checks (NIN, BVN) and credit screening. This ensures only credible and trustworthy individuals are admitted into each savings cycle.
Contributions are tracked in real-time with strong accountability systems. In rare cases of default, backup participants are activated to ensure the cycle continues smoothly without affecting other members.
Members may participate in multiple cycles if they can meet contribution requirements. Payouts are allocated on a first-come, first-served basis, giving early participants priority selection.
Early exit is allowed, but participants will receive only their accumulated contributions at their assigned payout time, subject to a standard 20% default fee deduction.
December Food Plan Policy: There are no refunds for the December Food Plan. Participants are only allowed to rollover contributions to the next year’s cycle.
SmartAjo currently serves over 100 active participants with structured onboarding and waiting list systems. New members are added into upcoming cycles as slots become available.
