Offering

Individual membership entails natural persons of 18 years and above.  Married or partners are encouraged to join separately. Full membership of Ahoyi Africa entails having a minimum of  10 shares and mandatory monthly minimum saving amount of R100/US$5.

Shares equity

  • An individual will become a full member of the purchase of a minimum of 10 shares.
  • The number of shares determine the dividends (profit share) that a member can get.
  • The price per share is R200/US$10.The shares can be bought over 12 months.
  • An individual is limited to 20% shareholding in Ahoyi Africa by law.
  • This money, since it is equity is normally invested in medium to long term projects. These are projects that can take at least 3 years to start paying out dividends.
Savings wallet/account

  • A member must contribute a minimum of R100/US$5 per month towards an interest-earning Savings Account.
  • The interest earned is also based on the amount and time in the invested product by Ahoyi Africa.
  • The member can use their savings as security for a loan from Ahoyi Africa.
  • The higher the savings amount, the bigger the loan a member can get from Ahoyi Africa.
  • The minimum contribution is mandatory as long as you are a member of Ahoyi Africa
Investments

  • Ahoyi Africa will invest in projects in different sectors.
  • These projects are medium to long term oriented.
  • A member can choose to invest directly into available investment projects or a specific Investment Product.
Membership Benefits
Loans

  • Members will get loans from Ahoyi Africa at preferential rates. These loans will be secured by a member’s savings.
  • Other members you introduce to Ahoyi can serve as guarantors to your loan.
  • The loan amount will be savings contributed to date times a factor (as an example if a member has savings of US$50/R1000 and the factor is 3, then the member will be able to borrow up to US$150/ R3 000). This factor will be decided from time to time by Ahoyi Africa Management.
  • Ahoyi Africa will encourage responsible borrowing and encourage loans for developmental uses such as extending a house, working capital for business.
  • Ahoyi will encourage savings specific to school fees, medical attention, emergencies, retirement, etc. instead of having members borrowing for those. These funds will be released immediately. The idea is to get you financially stable, out of debt, and better organized – and on a path to accumulating wealth.
Project partnership equity

  • One of Ahoyi Africa’s main objective is to empower members. Ahoyi Africa will partner members in the projects that align will the main investment areas of Ahoyi Africa.
  • The investment can be in the form of preferential debt or shares. This will be decided on case by case
Group insurance cover

  • One of Ahoyi Africa’s main objective is to empower members. Ahoyi Africa will partner members in the projects that align will the main investment areas of Ahoyi Africa.
  • The investment can be in the form of preferential debt or shares. This will be decided on case by case
Access to business opportunity

  • Ahoyi Africa and partners will encourage and grow member business before going to external partners. Ahoyi Africa will also work with partners that will be able to partner or capacitate Ahoyi Members.
Mentorship

  • Ahoyi Africa understands the power of business networks and mentorship. A successful member adds to the success of Ahoyi Africa. Ahoyi Africa will reach out to successful businesspeople, especially retired or semi-retired to mentor Ahoyi Africa Members.