Achieve Financial Discipline, One Contribution at a Time.
As a registered cooperative, Heaven's Global Investment Limited offers customized savings options tailored for market vendors, salary earners, small businesses, and smart savers. Whether you want to save for rent, school fees, or build interest-yielding thrift deposits, we have the perfect plan.
High-Yield Target Savings
Lock your savings for specified intervals (Daily, Weekly, Monthly) and earn bonus dividends (5.0% APR).
Daily Thrift (Ajo/Esusu)
Traditional thrift contributions managed digitally. Save daily and enjoy flexible, penalty-free access to capital.
Cooperative Safeguards
🛡️ Fully Regulated
Operates legally under official Kaduna Ministry of Commerce & Cooperative licenses (RC: 7125875).
📈 Consistent Dividends
Target savings earn a predictable, competitive 5.0% annual dividend, paid reliably upon term completion.
🏪 Local Branch Operations
Deposits are managed digitally and verified in-person at our ROMI head branch by dedicated cooperative officers.
Choose Your Path to Savings
Explore options designed to align with your business cash flow, personal goals, and contribution frequency.
Thrift Savings
Perfect for traders, artisans, and daily earners. Make daily deposits to build capital continuously. Standard Esusu rules apply with fully automated notifications and withdrawals.
Target Savings
Achieve specific milestones (e.g. Rent, School Fees, Business expansion, Asset purchase). Set a target timeline and amount, save weekly or monthly, and earn a bonus dividend on lockup.