Serving our community since 2010
Halal finance, built for your community.
AL-HALAL Co-operative & Credit Society brings interest-free savings, interest-free loans (Qard Hasan), and transparent instalment purchases (Murabaha) into one digital platform — governed by members, for members.
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Active Members
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Interest Charged
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Founded
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Wallet Segments
How It Works
Three steps to a fully digital cooperative experience
01
Join the co-operative
Register as a member, receive your card number, and get a fully set-up digital wallet — no paperwork chase, no waiting on a paper ledger.
02
Save, borrow, and transact — the halal way
Deposit into your special account, grow your savings and shares, apply for an interest-free loan (Qard Hasan), or request goods on transparent instalment terms (Murabaha).
03
Track everything from your phone
Real-time wallet balances, instant notifications, transaction history, and statements — all from the AL-HALAL member app.
What We Offer
Every core cooperative service, digitised
Special & Savings Deposits
Deposit anytime, watch your savings and shares grow with full transparency.
Interest-Free Loans (Qard Hasan)
Zero-interest benevolent loans for members — you repay only what you borrowed, ever.
Transparent Purchases (Murabaha)
Request goods from the cooperative on a clear, disclosed price — no hidden markup.
Bills & Airtime
Pay airtime, data, TV subscriptions, and electricity tokens from your wallet.
Our Commitment
Sharia-compliant by design, not by afterthought
Every product we offer is reviewed for Islamic financial compliance. No riba (interest), no exploitation, no hidden charges — just transparent, community-first finance rooted in trust.
Zero Riba
No interest is charged or paid on any product — enforced at the system level.
Full Transparency
Every purchase price and profit margin (Murabaha) is disclosed before you confirm — no hidden charges.
Community Governed
Decisions are made by elected officers accountable to the membership.
Benevolent Lending
Our loans (Qard Hasan) exist to help members, not to profit from them.
Join Us
Ready to join a cooperative built on trust?
Register your interest below and a cooperative officer will reach out to complete your membership. You can also visit us in person at No 29, Ifesowapo Central Mosque, Moberi Idi-Ishin, Liberty Academy, Odo-Ona Elewe, Ibadan.