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Install TRCNCS Portal — Add to your home screen for instant access, even offline.

Your Cooperative,
At Your Fingertips

Access your savings, apply for loans, purchase shares, and track your financial growth — all in one secure place.

12,400+ Members
₦4.2B Disbursed
18% Avg Dividend

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TRCNCS Assistant Online — Ready to help
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Hello! I am your TRCNCS cooperative assistant. I can help with loan applications, savings balance, share purchases, eligibility checks and more. How can I help you?
Just now
My savings balance
Apply for emergency loan
Loan eligibility
Buy shares
Tap the mic to speak
Say a command — "Apply for emergency loan", "Show my savings"
"Apply for emergency loan"
"Show my savings balance"
"Check my debt profile"
"Buy shares"
"What is my loan status"
"Open notifications"
"Boost my savings"
"Download statement"
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847Total Members
📋
23Pending Loan Apps
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₦4.2BTotal Disbursed
⚠️
7Overdue Repayments
⚙️ Interest Rates
🎯 Loan Multiplier
📈 Share Listings
📜 Congress Resolutions
🔧 System Settings
👥 Loan Committees
🖼️ Logo & Branding
⚙️ Interest Rate Configuration
Loan Type Current Rate Rate Type New Rate (%) Last Changed
Emergency Loan 5.00% /month Reducing Balance
📅 Jan 2025 · Res. TRCNCS/CONG/2025/RES-01
Trade Loan 12.00% p.a. Flat Annual
📅 Jan 2025 · Res. TRCNCS/CONG/2025/RES-01
Normal Loan 10.00% p.a. Flat Annual
📅 Jan 2025 · Res. TRCNCS/CONG/2025/RES-01
Long Term Loan 10.00% p.a. Flat Annual
📅 Jan 2025 · Res. TRCNCS/CONG/2025/RES-01
Mortgage Loan 10.00% p.a. Flat Annual
📅 Jan 2025 · Res. TRCNCS/CONG/2025/RES-01
Investment/Contractor 10–14% tiered Tiered Flat base
📅 Jan 2025 · Res. TRCNCS/CONG/2025/RES-01
📋 Rate Change Policy
ℹ️ Grandfathering active: Existing approved loans retain their original rate. Only new applications from the effective date will use the new rate.
🎯 Normal Loan Multiplier
Current Setting
Impact Preview — Sample Member (₦847,500 savings)
Current eligibility (1×) ₦847,500
New eligibility ₦847,500
All members — combined increase ₦0 additional exposure
📊 Multiplier Change History
RES-01
Multiplier set to 1× Savings

Congress voted to reduce from 2× to 1× following review of loan exposure ratio.

📅 Jan 15, 2025👤 Adejoh Musa O.🗳️ Vote: 12-3
RES-07
Multiplier was 2× Savings

Original setting from cooperative founding — 2× savings as loan eligibility basis.

📅 Mar 10, 2020👤 Former President🗳️ Founding resolution
Active Share Listings
2025 Mid-Year Tranche — Series A
SHR-2025-001 · Closes Jun 30, 2025
Units: 5,000 Sold: 2,660 Revenue: ₦532,000
📜 Log New Resolution
📎

Upload Congress Minutes — PDF only · Max 10MB

Resolution History📥 Export All
RES-04
Emergency Loan reducing rate maintained at 5%/month

Congress reviewed and confirmed the current reducing balance rate for emergency loans. Rate to apply to new applications only.

📅 Mar 20, 2025🗳️ 15-1👤 Adejoh Musa O.
RES-03
Normal Loan rate reduced from 12% to 10% p.a.

Applies to new applications only. Existing loans retain 12% rate per grandfathering policy.

📅 Feb 5, 2025🗳️ 13-2👤 Adejoh Musa O.
RES-02
2024 Annual Dividend declared at 18%

Dividend of 18% on total share value to be paid to all members by February 28, 2025.

📅 Jan 30, 2025🗳️ 16-0👤 Adejoh Musa O.
RES-01
Loan multiplier reduced from 2× to 1× savings

Following review of total loan exposure vs. savings pool, multiplier reduced effective February 1, 2025.

📅 Jan 15, 2025🗳️ 12-3👤 Adejoh Musa O.
🔧 System Toggles
Loan Applications OpenAllow members to submit new loan applications
Member Self-RegistrationAllow new members to register via portal
Digital Guarantor ConsentAllow guarantors to consent via email/SMS link
SMS NotificationsSend SMS alerts at each workflow stage
Email NotificationsSend email alerts at each workflow stage
Paystack Payment GatewayEnable Paystack for share purchases
📧 Notification Gateway Config
👥 Each loan type has its own independent committee. Select from confirmed cooperative members, set quorum and tenure. All appointments are logged to the audit trail.
⚡ Emergency Loan CommitteeHandles applications up to ₦200,000 — reducing balance rate
▼ Expand
🏪 Trade Loan CommitteeHandles applications up to ₦400,000 — flat annual rate
▼ Expand
🏠 Normal Loan CommitteeHandles savings-based applications — 36 months
▼ Expand
🕚 Long Term Loan CommitteeHandles applications up to ₦5,000,000 — 60 months
▼ Expand
🏠🏠 Mortgage Loan CommitteeHandles housing finance applications — up to 5 years
▼ Expand
📄 Investment/Contractor CommitteeOpen to members & non-members with contracts
▼ Expand
All Members (847 total · 12 pending · 7 inactive)
CoopIDNameDeptSavings Active LoansSharesStatusActions
COOP-00001 Adejoh Musa O.
TRCN-001 · Executive
Executive ₦847,500 2 250 units Active
COOP-00247 Akande Samuel A.
TRCN-247 · Ondo ARTAD
CEO — Ondo ₦285,000 1 250 units Active
COOP-00153 Sunday Elizabeth F.
TRCN-153 · Ondo ARTAD
Ondo ARTAD ₦192,000 1 250 units Active
COOP-00089 Alabi Habeeb O.
TRCN-089 · Standards
Standards ₦520,000 0 500 units Active
COOP-00831 Balogun Fatima K.
TRCN-831 · ICT
ICT ₦45,000 0 250 units Pending
Showing 5 of 847 members
📄 Report Builder
Select a report type, set parameters, preview and download as PDF.
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Savings Statement
Per-member monthly history
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Loan Statement
Repayment schedule & history
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Share Certificate
Official allotment certificate
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Debt Profile Report
Full loan commitment view
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Dividend Statement
Annual dividend history
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Society Financial Report
Admin · Full P&L summary
Activity Log2,847 total entries · immutable
Loan Approved — President Final Approval

LOAN-2025-00842 (Normal Loan ₦850,000) approved by Adejoh Musa O. for member COOP-00001. Forwarded to Financial Secretary for mandate generation.

👤 Adejoh Musa O. (President)📅 Jun 4, 2025 · 10:32 AM🔗 LOAN-2025-00842🖥️ Portal
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Savings Bulk Upload — June 2025

847 rows processed. 843 valid, 4 errors. Uploaded by Admin. Ref: UPL-2025-006. Error report generated.

👤 Admin📅 Jun 1, 2025 · 09:14 AM🔗 UPL-2025-006🖥️ Portal
⚙️
Interest Rate Change — Normal Loan

Rate updated from 12% to 10% p.a. flat. Policy: new applications only. Res: TRCNCS/CONG/2025/RES-03. Effective Feb 5, 2025.

👤 Adejoh Musa O. (President)📅 Feb 5, 2025 · 02:15 PM🔗 RES-03🖥️ Portal
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Congress Resolution Logged — RES-02

2024 Annual Dividend declared at 18%. Resolution text and minutes PDF uploaded.

👤 Adejoh Musa O. (President)📅 Jan 30, 2025 · 11:00 AM🔗 RES-02🖥️ Portal
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New Member Registration Approved

Balogun Fatima K. (COOP-00831) membership approved by Secretary General. CoopID assigned. 250 shares allocated.

👤 Secretary General📅 Jan 20, 2025 · 03:44 PM🔗 COOP-00831🖥️ Portal
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Failed Login Attempt — 3 consecutive failures

COOP-00247 account temporarily locked after 3 failed login attempts. Member notified by SMS.

👤 System📅 Jan 18, 2025 · 08:22 AM🔗 COOP-00247🖥️ Mobile App