The Unified Cooperative Platform (UCP) is a collaborative effort between the National Cooperative Financing Agency Limited (CFAN) and CWG PLC to provide a standardized cooperative technologically driven platform that would meet the operational needs of cooperative societies in Nigeria.

The innovation serves as a one stop shop for all technology needs of cooperative societies, it solves issues of accountability, productivity, monitoring and reporting needs of every cooperative society and connect them to the apex body for purpose of ascertaining their contributions to the overall growth of the economy so as to enable government and development partners understand the level of support they should extend to co-operative activities in Nigeria.

The solution offers a robust co-operative platform that supports financial services and collaboration between the various State Co-operative Financing Agencies and the apex body – National Co-operative Financing Agency of Nigeria (CFAN).

The solution highly enjoys the expertise of CWG PLC, the largest IT services Company in Nigeria, who has years of experience in building a shared IT platform that solves the challenges of automation and integration faced by Micro Finance Institutions (MFI) like co-operatives.

CWG has implemented a service that utilizes CWG’s FinEdge software, a banking software expertise (gained from more than two decades of supporting the most widely used core banking platform in Nigeria), integration expertise, infrastructure management expertise (gained from more than a decade of managing the largest IT infrastructures in Nigerian telecom and banking environments), nationwide technical support service running on top of the excellent IT infrastructure.

CFAN is the Apex Co-operative financial institution in Nigeria established under the Co-operative Societies Act 2004 CAP 98 LFN under the recommendation of the National Co-operative Development Policy of Nigeria (2002).

It was first established in 1978 as National Association of Co-operative Credit Union of Nigeria (NACCUN) and was rebranded as National Co-operative Financing Agency of Nigeria (CFAN) on 7th April, 2015 in line with the recommendations of the cooperative development policy aforementioned. CFAN serves as the Apex Body for all Thrift & Credit Co-operative Societies, Unions and State Co-operative Financing Agencies as well as having the collateral responsibility of providing linkage and access to finance for all sectors of the co-operative enterprise in Nigeria.

CFAN is affiliated to the Co-operative Federation of Nigeria (CFN) and the African Confederation of Co-operative Credit Associations (ACCOSCA) with Headquarters in Kenya as well as a Board Member of the Apex Continental Body.

The UCP is owned by CFAN on behalf of her affiliates, driven by the Co-operatives and managed by CWG PLC.

Our Vision

To serve as a foremost robust technologically driven operations platform generating standard results that meet global best practices for co-operatives in Nigeria.

Our Mission

To provide the industry standard solution that improves co-operative societies’ accountability, productivity and linkage to financial ecosystem in Nigeria while offering globally accepted best practices in front office service activities.


The National Cooperative Financing Agency Limited (CFAN) provides vast expertise in the cooperative societies in line with its mission and vision.

CWG has over twenty years’ experience in providing solutions and has vast expertise in the banking and MFI sectors in Africa. CWG brings its world-class experience to development of the Unified Cooperative Platform.

Co-operative Principles

The co-operative principles are guidelines by which co-operatives put their values into practice.

i. Voluntary and Open Membership
Co-operatives are voluntary organisations, open to all persons able to use their services and willing to accept the responsibilities of membership, without gender, social, racial, political or religious discrimination.

ii. Democratic Member Control
Co-operatives are democratic organisations controlled by their members, who actively participate in setting their policies and making decisions. Men and women serving as elected representatives are accountable to the membership. In primary co-operatives members have equal voting rights (one member, one vote) and co-operatives at other levels are also organised in a democratic manner.

iii. Member Economic Participation
Members contribute equitably to, and democratically control, the capital of their co-operative. At least part of that capital is usually the common property of the co-operative. Members usually receive limited compensation, if any, on capital subscribed as a condition of membership. Members allocate surpluses for any or all of the following purposes: developing their co-operative, possibly by setting up reserves, part of which at least would be indivisible; benefiting members in proportion to their transactions with the co-operative; and supporting other activities approved by the membership.

iv. Autonomy and Independence
Co-operatives are autonomous, self-help organisations controlled by their members. If they enter into agreements with other organisations, including governments, or raise capital from external sources, they do so on terms that ensure democratic control by their members and maintain their co-operative autonomy.

v. Education, Training and Information
Co-operatives provide education and training for their members, elected representatives, managers, and employees so they can contribute effectively to the development of their co-operatives. They inform the general public – particularly young people and opinion leaders – about the nature and benefits of co-operation.

vi. Co-operation among Co-operatives
Co-operatives serve their members most effectively and strengthen the co-operative movement by working together through local, national, regional and international structures.

vii. Concern for Community
Co-operatives work for the sustainable development of their communities through policies approved by their members.