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NKOD App
Trustworthy, Convenient & Safe Digital Cooperative App You Can Bank On
Licensed and affiliated to Akwa Ibom State Government
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About Us
At NKOD, we combine the power of digital innovation with cooperative principles to offer a wide range of financial and non-financial services to empower individuals, businesses and communities. Whether you need secure digital cooperative banking, investment opportunities, business support or community- driven initiatives, NKOD is your trusted partner.
What We Do for Members' Benefit
Loans
Providing convenient, affordable, timely customized variety of loans for member’s businesses as well as personal loans.
Savings
Facilitating accumulation of funds for our members through custom daily, weekly, monthly micro savings or rotational contribution savings using our superior and premium NKOD platform.
Payment
Enhance payments delivery and promote sustainability in micro enterprise development.
Investment
Grow funds and manage wealth for competitively higher returns.
Insurance
Your stress level during difficult times can be reduced if you have constant cover and protection against unforeseen occurrences such as death, theft, fire outbreaks and damage etc. Get the cover you need for the future.
Our Vision
We transcend financial inclusion, igniting a cooperative revolution, fueled by innovation.
Our Mission
We are on a mission to support passion, grow businesses and fulfil needs by making savings fun, access to instant credit easier, swiftly resolve financial emergencies, sprout cottage industries and startups in suburbs, and deliver sustainable services at affordable price.
Shared Values
Members First
Driven by our service philosophy, the members always come first. We are growth- centric organization. The members are the driving force of our entire product.
Integrity
Integrity is central in all our operations. Compliance with regulations and the host communities is primary while decisions are based purely on business model and ethics.
Excellence
We pay thorough attention to details and strive at all times to attain and exceed the highest possible standards and expectations.
Innovation
Innovation is core to our business. We leverage on technology to automate processes, develop unique platforms, create new products, systems, design procedures that are consistent and enduring.
Team Work
At NKOD, we hold the interest of team above those of individuals, while showing mutual respect for all employees and sharing information throughout our organization.
Accountability
We understand conflict of interest is detrimental to our business. As an organization, we are answerable to our stakeholders on all actions and results.
Support & Service to the Community
We believe that our organization and societies in which we do business are in a symbolic relationship. This is why we have taken Corporate Social Responsibility as core to our existence and would initiate several programmes to our host communities.
Tolerance
No tolerance for behavior that is inconsistent with these values.
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