Become a shareholder of NCHEMTY MFI and earn annual dividends while helping build Cameroon's financial future. Start with as little as XAF 5,000 and grow your wealth alongside us.
Your money works harder as an owner than as a customer. Earn dividends, influence decisions, and build generational wealth.
Earn up to 12% annual dividends on your share value, paid yearly directly to your NCHEMTY account. Better than any savings rate.
Every shareholder gets a vote at the Annual General Meeting. You help shape the institution's direction, products, and leadership.
As NCHEMTY grows, so does your share value. Shareholders who joined early have seen their capital grow significantly year on year.
Shareholders receive preferential interest rates on all NCHEMTY loan products — personal, business, and emergency credit.
NCHEMTY is fully licensed and regulated by COBAC. Your investment is backed by real assets, audited annually by an independent committee.
Your investment directly finances loans for farmers, women entrepreneurs, and students across Cameroon — building communities alongside wealth.
Start at any level and increase your stake over time. All shareholders earn dividends.
Based on target dividend rates. Actual returns depend on annual profits. All figures are illustrative.
| Tier | Min. Investment | Target Dividend | Est. Annual Return | Voting Rights | Loan Benefit |
|---|---|---|---|---|---|
| Bronze Entry | XAF 5,000 | Up to 8% | XAF 400+/yr | 1 vote | –0.5% rate |
| Silver Growth | XAF 20,000 | Up to 10% | XAF 2,000+/yr | 3 votes | –1.0% rate |
| Gold Popular | XAF 50,000 | Up to 12% | XAF 6,000+/yr | 5 votes | –1.5% rate |
| Diamond Elite | XAF 200,000 | Up to 13.5% | XAF 27,000+/yr | 10 votes | –2.0% rate |
| Platinum Founding | XAF 500,000 | Up to 15% | XAF 75,000+/yr | 15 votes | –2.5% rate |
From application to receiving your first dividend in 4 simple steps.
Fill in the application form below with your details and choose your share tier.
Our team verifies your ID and processes your application — typically within 48 hours.
Transfer your share capital to NCHEMTY via Mobile Money or bank transfer after approval.
Get your official shareholder certificate and start earning dividends from the next AGM cycle.
I invested XAF 200,000 in Gold shares two years ago. My first dividend was XAF 24,000 — better than any fixed deposit I had before. And my vote at the AGM made me feel like a true owner.
As a Platinum shareholder I have a dedicated manager and access to loans at preferential rates. The return on my investment has outperformed everything else in my portfolio this year.
I started with just 2 Bronze shares — XAF 10,000 total. Received XAF 800 dividend first year, which I reinvested. Now I have 8 shares. NCHEMTY makes investing accessible for everyone.
Complete the form below. Our team reviews all applications within 48 hours.
All fields marked * are required. Your information is handled in strict confidence.
Any Cameroonian citizen aged 18 or above can become a shareholder. Diaspora Cameroonians are also eligible. You must hold or open a valid NCHEMTY current account before shares can be issued.
The minimum entry point is 1 Bronze share at XAF 5,000. There is no maximum limit — you may hold as many shares as you wish across any tier.
Dividends are declared and approved at the Annual General Meeting (AGM), then paid directly to each shareholder's NCHEMTY account within 30 days of the AGM resolution.
Shares in a cooperative MFI are not freely tradable. However, shares can be transferred to immediate family members or sold back to the institution at book value, subject to Board approval.
NCHEMTY MFI COOP is regulated by COBAC and audited annually by an independent Audit Committee. Your share capital is backed by real institutional assets.
Yes. Diaspora shareholders can apply online, complete KYC remotely, and transfer share capital via international bank transfer or mobile money. Select "Diaspora" as your region in the application form.
