Secure Your Financial Future, One Contribution at a Time.
Havilah Multi-Purpose Cooperative Society is your trusted partner for growth.
What We Do?
Operational Guidelines for Havilah Multi-Purpose Cooperative Society.
This outlines the core operational policies and procedures for our cooperative society, providing a comprehensive framework covering membership, governance, financial management, key financial products (loans and savings), and member development programs to ensure effective and transparent operations.
Membership
The membership framework defines the eligibility criteria, outlines the application process, and details the rights and responsibilities of all members.
Governance
The governance structure is established through the Board of Directors' composition and roles, the procedures for General Meetings, and the organization's formal decision-making processes.
Financial Management
This encompasses the accounting and bookkeeping procedures, the standards for financial reporting and auditing, and the policies governing investments.
Loan and Credit
These services include a defined application and approval process, established interest rates and repayment terms, and a system for credit risk management.
Savings and Deposits
These products consist of various account types like savings and fixed deposits, with specified interest rates, payment terms, and clear withdrawal and closure procedures.
Training and Capacity Building
These are provided through entrepreneurship training programs, business development services, and ongoing member education and support.
Our Solution
Simple steps from the comfort of your device.
Membership & KYC
Register and prove your identity from your device.
Monthly Contribution
Choose amount to contribute monthly, pay and upload evidence.
Manage Your Portfolio
Login to the dashboard to see your financial progress.
Withdrawal
Request withdrawal and wait for disbursement.