Meet Amaka
Fashion entrepreneur, Lagos.
Used structured credit to purchase additional production equipment.
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Powered by CREDICORPCredit designed to help Nigerian women build, grow and move forward.
Access credit. Build your history. Grow your possibilities.
Beneficiary preview
Ada Nwosu
Retail professional · Lagos
Why HERCRED
Millions of economically active women contribute to Nigeria’s economy every day, yet still lack structured access to affordable, transparent consumer credit. HERCRED changes the journey.
Affordable structured consumer credit from ₦50,000 to ₦2,000,000.
Understand borrowing, repayment, credit scores and responsible credit use.
Build a formal credit history that can unlock better financial opportunities over time.
Who is HERCRED for?
Choose the path that fits you — we’ll tailor the next few steps.
How It Works
Use BVN or NIN to securely verify identity and eligibility.
A few honest, judgment-free questions about credit — it won't affect your eligibility.
Provide income/cash-flow information needed for responsible affordability assessment.
Eligibility and credit assessment are completed through an approved participating financial institution.
See the amount, interest, tenor and repayment obligation clearly before accepting.
Repay responsibly and establish/improve your formal credit history.
A short, honest survey on credit attitudes and experience — there are no right or wrong answers, nothing is scored, and it never affects your eligibility. Completed inside the eligibility journey.
How would you describe your experience with borrowing money so far?
How do you feel about taking on a loan?
How do you usually manage a sudden, unexpected expense?
Her Stories
Fashion entrepreneur, Lagos.
Used structured credit to purchase additional production equipment.
Trader, Kano.
Built her first formal credit history through HERCRED.
Marketing professional, Abuja.
Used responsible credit for professional development.
50,000
Women targeted for onboarding
60%+
Target proportion of first-time formal borrowers
100%
Verified female beneficiaries by design
Ecosystem
Partner
Participating Financial Institutions
Partner
Credit Bureaus
Partner
Identity Verification Partners
Partner
Women-focused Ecosystem Partners
Partner
Employers & Associations
Employers, women associations, cooperatives, professional bodies, market associations and corporate organisations can onboard groups of women directly.
FAQ
Economically active Nigerian women aged 18–60 — salaried, self-employed, entrepreneurs, traders and other eligible women — whose identity and gender are verified through BVN or NIN.