Moni: Savings & Loans vs. Neocash Mobile Utilizzo e statistiche

Access a range of financial solutions on Moni. Earn high interest on your savings and enjoy short and long-term loans for your business. Your savings are safe in Moni Vault and loans are disbursed within a few minutes on Moni Float. What does saving on Moni look like? Create a flexible, targeted, or fixed savings plan on Moni and earn from 7%-21% interest rate. Save as low as N100 daily, weekly, bi-weekly, or monthly. Automate your savings schedule and get notified at appropriate times. Activate your Moni Wallet to fund your savings plan. Achieve multiple savings goals. Contribute your savings at no fees or charges. Stash away lump sum of money in Reserve for at least 3 months and earn as high as 21% interest rate. Enjoy instant withdrawal. Cultivate a savings habit. Enjoy instant technical support within the app. Saving on Moni is easy. Get started in 3 steps: 1. Download the Moni app 2. Provide some information to set up your profile 3. Create your savings plans. Example of a Moni Savings; - Create a reserve plan- lock away a sum of money to prevent spending temptation. - Set duration to 1 year. - Choose to withdraw interest at maturity - Fund plan with N1,000,000 - At the end of 1 year, withdraw N1,210,000. A Moni Loan: To access a Moni Loan, you must have joined a Cluster. Loans are accessible to businesses who have joined a Moni Cluster using unique Cluster codes No collateral or guarantee required Once your request to join a cluster is approved, and your business performance is reviewed, you can take loans from N50,000 - N3Million No hidden fees or charges Loan terms are clearly stated at the point of the loan request Decide your loan tenure. You can repay in up to 12 months. Enjoy competitive interest rates from 24% - 35.36% APR The eligibility amount is increased as your OTR(on-time repayment rate) increases Enjoy social accountability with the businesses in your cluster The Moni loan process is simple; 1. Download the Moni app. Sign up with your phone number & email address 2. Request to join a Float cluster 3. Provide information about your business for loan eligibility review 4. Start accessing float to grow your business. Moni’s Interest Rate and Loan Repayment Loan requests can be between N50,000 - N3Million with no collateral or guarantee request Repay the loan in up to 12 months. Our Annual Percentage Rate (APR) is 24% to 35.36% Example of a Moni Loan - Loan Amount: N2,000,000 - Loan Tenure: 24 weeks - Repayment Type: weekly: - Weekly Interest rate: 0.6% - Weekly Repayment: N95,333 - Total Amount Payable: N2,288,000 - APR: 31.2%

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Neocash Mobile

LAGOS STATE RESIDENTS ONLY Whatsapp: 08081250499 ₦5,000 to ₦5,000,000, apply in just 5 minutes! No Collateral, No Guarantor, No Time! NeoCash is a new app from Shepherd Trust Microfinance Bank. We have been providing financial services to all classes of Nigerians since 2011, and are now bringing the same quality customer service right into your hands. We are on a mission to give a human touch to digital banking and as we scale, we’re bringing with us the same people-centric, customer focused culture we’ve always strived to build locally. Download our app now and apply for a loan in less than 5 minutes. Why Use NeoCash? - Borrow up to ₦5,000,000 - Choose your payment tenure - Fast and easy access to loans, with no hidden charges - Account is credited as soon as the loan is approved - No collateral or guarantor needed for most loans - NeoCash Loan App is extremely secure and reliable Loan characteristics Loan amounts from ₦5,000 to ₦5,000,000 Repayment period from 61 days to 12 months APR from 30% to 120% per annum Loan Requirements - A steady and verifiable source of income (Job or Business) - Bank statement (to prove income) - Gov't issued ID Card - A good credit history An example of a NeoCash loan Borrow ₦100,000 over 3 months Interest (total cost of the loan): ₦7,500 (2.5% rate) Three monthly repayments: ₦35,833 Total amount payable: ₦107,500 Representative: 30% APR