A simple, repeatable structure that gives members real ownership and keeps the group accountable to itself.
Each participating church mobilises ten members into one cooperative.
Every participant receives ten to twenty coffee seedlings to plant and care for.
Each member holds their own seed fund within the cooperative — pooled for safekeeping, owned individually.
Contributions are locked for eighteen months so the fund can mature before it is drawn on.
Members choose a monthly savings amount within this range and keep to it.
The cooperative meets every month to review tree care, record savings, and resolve issues together.
Every cooperative account requires three signatories — no one person can move funds alone.
Members care for their trees and submit monthly progress and tree-monitoring reports.
Each member contributes between ₦100 and ₦2,000 every month into their own seed fund, held within the cooperative. Contributions are locked for eighteen months so the fund has time to mature and the group builds the habit before the money moves.
Every cooperative operates a three-signatory account. No single person can move funds alone, and the group agrees its own rules at formation. Balances and account details are the cooperative's own business and are never published.
Members meet monthly to review tree care, record savings, and settle any issues. The cooperative submits a monthly report and a tree-monitoring update so the project team can see how the trees and the group are doing.
When the lock period ends, members access their seed funds. By then the trees are established, the group has a track record, and the cooperative can reinvest, expand, or mentor a neighbouring church.
Cooperative balances, bank details, and individual savings records belong to the cooperative and its members. They are never published on this website.