How Cooperative Lending works

Last updated: 14 June 2026

A cooperative lending group builds a shared pool that members can borrow from, repaid with interest. There are no turns. When the group settles, you receive back exactly what you contributed, plus a share of the profit the pool earned, and your profit share is proportional to how much you put in. Because of that, it doesn't matter when you joined.

Joining

• The group's admin chooses whether it's public (anyone can join) or invitation only.
• You must verify your identity (KYC) before joining, either way.
• You can join at any time, including while the group is active. Your contributions simply start building from when you join.

Contributions

• You contribute a fixed amount on a fixed schedule agreed by the group.
• You can't pay ahead beyond the agreed amount. This is what keeps things fair: a newer member naturally has a smaller balance and a smaller profit share, and longer-standing members are never diluted.

Borrowing

• You can borrow against what you've contributed. How much is limited by your borrowing capacity (your net contributions) and the group's maximum borrow percentage (both apply), as well as what the pool can cover.
• Loans are funded by the group's pooled money, not by Adansa, and are repaid with the interest the group has set.

What you receive

• When the group settles, you get back your own contributions plus a share of the profit proportional to your contribution.

Trust and repayment

Loans are what generate the pool's profit, so repayment matters to everyone. Failing to repay a loan lowers your trust score and affects your eligibility for future loans and groups across Adansa.