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Remittance Companies

Real Susu - Sembic

Payout agent

This is a product designed to service the liquidity capability of our agents and to encourage savings designed at achieving financial target of our member.

Our co-operative savings scheme is registered with the Lagos State Government which is operated online nationwide within the network of our members (agents and subscribers).
SEMBIC provide small loans and other financial services to those at the bottom of the pyramid who only recourse for financial assistance is to go to assist in their mobile money activities and other personal financial needs. This is to assist our members and to take them of the unfriendly banks, finance houses local money lenders who typically charge extortionate rates of interest. realsusu is growing fast across the developing world given the almost limitless need for small loans to help the very poorest in society develop new businesses, but are limited by a general reliance on a paper-based infrastructure and reporting mechanisms. 

Sembic is also in partnership with MFIs provide a client branded loans management and administration service utilising mobile phones issued to staff that enable them to dispense with paper, using the mobile phones to collect data and administer the entire loans management process in a discrete manner.  The service can issue SMS's or make voice calls to remind those with loans to make repayments on the facility to the MFI. 
The basic loan management service can easily be augmented to provide a complete range of financial services to its customer base including banking, bill payments, micro-insurance and other potentially revenue earning services.

SEMBIC’s realsusu solution provides a fully managed, client branded mobile solution for regular contributions, distributing loans (funds) and managing the collection of loan repayments. The service is also designed to be used by NGO’s wishing to make payments to agents and employees “in the field” and handles all client management from a mobile phone securely interfacing to the loans administration system or other back-office applications.
It is mandatory for members here to hold our m-wallet card for the operation and it is powered be eTranzact while Union Trustees Limited is the trustee to the realsusu fund.

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