How It Works

Flexible Contributions:
Members of a thrift group commit to contributing a fixed amount on a daily, weekly, bi-monthly, or monthly basis.

Rotational Pay-outs:
Each member receives the total pooled contribution in turn, minus a small service fee.

Managed by Zhabest Microcredit:
Zhabest supervises the entire process, ensuring transparency, accountability, and timely pay-outs.

Service Fee:
Zhabest charges a one-day contribution from each member as a service fee for managing the group.

No Interest, Just Trust:
This system is built on mutual trust and strong community ties—no interest rates, no hidden charges.

Benefits to Members/Contributors

• Access to lump sums: Useful for emergencies, business investment, or large purchases
• Encourages saving: Especially for those who struggle with formal banking
• Community support: Builds trust and mutual accountability
• Low barrier to entry: No paperwork, credit checks, or bank accounts needed

Why Choose Zhabest?

• Reliable and secure collection process
• Tailored for market traders, artisans, and small business owners and individuals
• Transparent management with clear pay-out schedules
• Community-driven financial empowerment

For the daily contribution, members that want to do transfer can do it to the thrift account at:
Bank Name: First bank:
Account Number: 2047085428

Click here to download the Zhabest Ajo Contribution Registration Form, fill it and send back to us at info@zhabestmicrocredit.com
OR fill the online form below