Sustainable Micro-Credit & Enterprise Growth for Every Nigerian
Providing accessible, collateral-free, and zero-interest micro-credit to empower Nigerian market women, artisanal youth, and smallholder farmers to boost economic resilience across all 774 Local Government Areas.
BABA HAMZA IBRAHIM
National Programme Manager, GEEP
Our Mission
To be the primary vehicle of Nigeria’s grassroots micro-enterprise financing and socio-economic transformation, providing collateral-free, zero-interest credit that strengthens informal markets, boosts agricultural productivity, and creates sustainable wealth for unbanked and vulnerable citizens.
Deployed across all 36 States and the Federal Capital Territory, with permanent desk officers at all 774 Local Government Area secretariats.
Programme Initiatives:
MarketMoni.
Working capital micro-loans from ₦50,000 to ₦100,000 tailored for registered market women associations, stallholders, and trade groups.
TraderMoni.
Step-up credit facilities starting at ₦50,000 designed for street vendors, artisans, corner-shop operators, and petty traders.
FarmerMoni.
Agricultural input credits and tractor equipment loans up to ₦300,000 supporting smallholder farmers and agrarian food security.
Financial Inclusion.
Nationwide biometric enrollment (NIN/BVN) and zero-intermediary direct bank account disbursement across 774 local secretariats.
ABOUT US
The Government Enterprise and Empowerment Programme (GEEP) is a premier social intervention scheme under the National Social Investment Programmes Agency (NSIPA). It is structured to provide sustainable, interest-free, and collateral-free capital to meet the micro-financing needs of Nigerian petty traders, market women, artisanal youth, and smallholder farmers.
By deploying direct biometric KYC verification anchored on the National Identity Number (NIN) and Bank Verification Number (BVN), GEEP eradicates predatory interest rates and eliminates middleman corruption. Repayments flow back into a self-sustaining revolving fund to continually empower subsequent cohorts of Nigerian entrepreneurs.
Programme Focal Points
Zero-Interest & Collateral-Free Micro-Credit
100% interest-free lending with no physical collateral or landed property demanded from informal micro-enterprises.
774 LGA Council Secretariats Nationwide
Decentralized physical registration points in every local government area in Nigeria to eliminate fraudulent third-party portals.
Rigorous Biometric KYC (NIN & BVN Integrated)
Direct digital verification of every applicant's National Identity Number (NIN) and Bank Verification Number (BVN) to ensure credit reaches actual citizens.
Self-Sustaining Revolving Re-Lending Cycle
Flexible weekly or monthly loan repayments that automatically cycle back into the national fund to empower next cohorts of Nigerian traders.
Three Tailored Credit Facilities
MarketMoni, TraderMoni, and FarmerMoni are customized to meet the distinct financing requirements of commercial traders, informal vendors, and seasonal farmers.
MarketMoni
₦50,000 Zero-Interest Working Capital Loan
MarketMoni provides affordable, interest-free capital to female entrepreneurs and market women operating in structured trade associations. It allows traders to restock fast-moving consumer goods and scale their commercial throughput without exploitative moneylender interest rates.
TraderMoni
₦50,000 Zero-Interest Micro-Credit Facility
TraderMoni targets the vast informal retail economy — from roadside kiosk operators, food vendors, and fruit sellers to young craftspeople. It bridges the financial exclusion gap, injecting liquidity directly into grassroots commercial hubs.
FarmerMoni
Up to ₦300,000 in Certified Farm Inputs & Services
FarmerMoni is tailored to the biological cycles of Nigerian smallholder farmers. Rather than cash that may be diverted, beneficiaries receive up to ₦300,000 worth of certified high-yield seedlings, fertilizers, crop protection chemicals, and mechanization vouchers.
MarketMoni Facility Details
Empowering Market Women & Female Entrepreneurs with Growth Capital
Key Facility Privileges
- Immediate ₦50,000 initial facility disbursed directly to verified bank accounts
- 3-month initial moratorium period (grace period with zero repayment)
- 6-month flexible weekly or monthly repayment structure
- Graduation to higher loan thresholds (up to ₦100,000) upon 100% timely repayment
Eligibility Prerequisites
- Must be a female micro-trader or small shop owner aged between 18 and 55 years.
- Must belong to an accredited market women association or recognized cooperative society.
- Must possess a verified National Identification Number (NIN) and an active BVN.
- Must operate an active commercial or microfinance bank account in the applicant's name.
Interactive Loan Simulator
Calculate your exact weekly or monthly repayment, interest savings, and initial moratorium period.
Zero-Interest Loan & Repayment Calculator
Calculate your monthly installment, grace moratorium period, and total savings under federal zero-interest lending.
Loan Terms & Moratorium
Payable across 3 months after your initial 3-month grace period.
Ongoing and Completed Projects
Visual highlights of market verification exercises, cooperative input deliveries, and LGA secretariat operations.
Market Women Association Biometric Verification
Bodija Market, Ibadan, Oyo State
Market Women Association Biometric Verification
Bodija Market, Ibadan, Oyo State
Rural Agro-Cluster Tractor & Input Distribution
Bida Agricultural Belt, Niger State
Rural Agro-Cluster Tractor & Input Distribution
Bida Agricultural Belt, Niger State
Artisanal Tailors & Shoemakers Micro-Credit Cohort
Aba Commercial Hub, Abia State
Artisanal Tailors & Shoemakers Micro-Credit Cohort
Aba Commercial Hub, Abia State
LGA Secretariat Physical Registration Desk
Alimosho LGA Secretariat, Lagos State
LGA Secretariat Physical Registration Desk
Alimosho LGA Secretariat, Lagos State
Grain Dealers & Commodity Sellers Loan Handover
Dawanau International Market, Kano State
Grain Dealers & Commodity Sellers Loan Handover
Dawanau International Market, Kano State
Women Cassava Processing Cooperative Facility
Owerri West, Imo State
Women Cassava Processing Cooperative Facility
Owerri West, Imo State
Latest News And Press Releases
Read all the latest news about the Programme and its micro-credit disbursement activities domestically and across states.
FG Commences Direct Disbursement of MarketMoni Phase 2 Across 36 States & FCT
The Federal Government, through NSIPA and the GEEP Directorate, has commenced nationwide direct biometric disbursements to qualified market women associations and small trader clusters.
Our Partners
Four Steps to Accessing GEEP Loans
GEEP registration takes place strictly in person at accredited Local Government Secretariats to protect citizens from internet scam portals.
Visit Local GEEP Desk Officer
Walk into your LGA Council Secretariat and meet the accredited GEEP Desk Officer stationed in your LGA.
Fill Physical Registration Booklet
Provide your bio-data, trade description, active phone number, verified NIN, and active BVN. Forms are completely free.
Physical Market / Farm Verification
Field enumerators physically verify your market stall, kiosk, or farmland to confirm trade activity.
Direct Digital Disbursement
Approved facilities are credited directly to your bank account with a 3 to 6-month initial grace moratorium.
Frequently Asked Questions
Key facts regarding GEEP loan tenure, moratorium grace period, and repayments.
Expand Your Business with Zero-Interest Capital
Visit your nearest Local Government Area Council Secretariat to register with the official GEEP Desk Officer today.