Unlocking Credit.
Powering Possibilities.
Alaafia provides fast, fair, and flexible credit for Nigeria's nano-businesses — traders, artisans, and smallholder farmers who keep our communities alive yet remain invisible to traditional finance.
Our Model
Excluded but not Invisible.
Across Nigeria, 32 million of hardworking nano-business owners run their businesses without fair access to credit. They are seen in every market, every street corner—yet when it comes to finance, they are shut out.
The result? Limited growth, daily struggles, and opportunities lost.
Finance That Works the Way People Live.
At Alaafia, we've reimagined credit for the realities of everyday life. Our unique approach blends trust, culture, and technology into a Triple Layer Trust (TLT) system:
Built on trust and community bonds
Repaid in small, daily amounts that fit real incomes
Designed for growth—with loan upgrades as businesses succeed
$6,000+ disbursed
71 nano businesses across 5 zones
97% on-time daily repayments
0% defaults
2000+ nano businesses awaiting service
Proof That It Works.
In our pilot program, we disbursed over ₦8 million across 59 nano-businesses in five zones of Oyo State. The results speak for themselves.
Alaafia Means Peace and Wellbeing.
At Alaafia, we believe finance is more than money—it's a system of finance that restores dignity, brings light, and fuels prosperity for people too often overlooked. We believe when nano-businesses rise, communities rise. And when communities rise, nations transform.
