About Barnawa Rahma
Cooperative Society
An interest-free financial institution built on principles of mutual help, self-reliance, and ethical Shariah-compliant practices, empowering our community since 2016.
Years of Service
Serving our community since 2016
Active Members
Growing community of NGSA staff
Total Savings
Accumulated member savings
Loans Disbursed
Supporting member dreams
Who We Are
We are a cooperative society whose membership comprises mainly staff of the Nigerian Geological Survey Agency (NGSA) from state offices across the federation.
Our Mission
To promote the economic interests of our members by providing access to necessary facilities and capital, all within a framework that encourages thrift, mutual help, and self-help in accordance with Shariah principles.
Our Location
1 & 2 Aliyu Makama Road, Barnawa, Kaduna, Kaduna State
National Geosciences Research Laboratories Kaduna
Our Journey
2016 - Foundation
Established as an interest-free financial institution serving NGSA staff nationwide.
2018 - Growth Phase
Expanded services to include comprehensive savings, loans, and investment options.
2020 - Digital Transformation
Introduced digital platforms for better member service and accessibility.
2024 - Modern Era
Continuing to innovate while maintaining our core Shariah-compliant principles.
What We Stand For
Our values guide everything we do, ensuring we remain true to our mission of empowering our community through ethical financial practices.
Shariah Compliance
All our services strictly adhere to Islamic financial principles, ensuring complete freedom from interest (Riba) and unethical practices.
Community Focus
We believe in the power of community and mutual support, working together to achieve collective prosperity and individual growth.
Transparency
We maintain complete transparency in all our operations, ensuring members are fully informed about their financial journey with us.
Growth Oriented
We are committed to the continuous growth and development of our members' financial well-being and the cooperative as a whole.
Excellence
We strive for excellence in all our services, continuously improving to meet and exceed our members' expectations.
Trust & Integrity
We build lasting relationships based on trust, integrity, and mutual respect, ensuring every member feels valued and secure.
Comprehensive Financial Solutions
We offer a complete range of Shariah-compliant financial services designed to meet your personal and business needs.
Savings Plans
Build your financial future with our flexible savings options
Regular Savings
Fixed monthly contributions for steady growth
Target Savings
Save for specific goals and dreams
Thrift Savings
Group rotational savings (Adashe/Ajo/Esusu)
Flexible Terms
Choose terms that suit your lifestyle
Loan Services
Access funds when you need them most
Regular Loans
Up to 200% of your savings balance
Emergency Loans
Quick access to 15% of savings for urgent needs
Commodity Loans
Up to 300% of savings for business needs
Interest-Free
All loans are completely free from interest
Welfare Programs
Supporting our community beyond finance
Education & Training
Financial literacy and skill development
Consumer Goods
Access to essential items for members
Community Development
Projects that benefit our entire community
Mutual Support
Promoting thrift and self-help initiatives
Investment Options
Grow your wealth through Shariah-compliant investments
Murabahah
Cost-plus financing for asset acquisition
Mudharabah
Profit-sharing investment partnerships
Musharakah
Joint venture investment opportunities
Sukuk & More
Islamic bonds and other investment instruments
Ready to Join Our Community?
Experience the benefits of ethical, Shariah-compliant financial services. Join hundreds of satisfied members who have transformed their financial lives through our cooperative.
100% Shariah Compliant
All services follow Islamic principles
Community Focused
Built by the community, for the community
Trusted Since 2016
10+ years of reliable service