Welcome to Harmony Crest
Welcome to Harmony Crest! We're thrilled to have you join our community of savvy savers who are building brighter futures, one small step at a time.
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Let do Business...
At Harmony Crest, we believe that big dreams start with small actions. Whether you're saving for a special occasion, future plans, or financial security, we're here to help you turn those dreams into reality.
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"Save Small, Dream Big, Achieve More."
Welcome to Harmony Crest! Here, we believe that every small step you take today brings you closer to the bright future you dream of.
Read MoreLoan Product
Loan products are financial instruments designed to provide borrowers with access to credit for various purposes. These products come in different forms, each with its unique features, benefits, and repayment terms.
Saving Product
Regular Savings is a disciplined approach to saving money, where individuals set aside a fixed amount of money at regular intervals. This habit helps build a safety net, achieve financial goals, and secure a stable financial future.
Training and Consultancy
Training and capacity building are essential components of human resource development, enabling individuals, organizations, and communities to acquire new skills, knowledge, and attitudes. These processes foster personal and professional growth, improve performance, and enhance overall capacity to achieve sustainable development.
Enterpreneur and Ventures
Entrepreneurship and venture creation are the engines that drive innovation, economic growth, and job creation. Successful entrepreneurs and ventures have the power to transform industries, communities, and lives.
About Us
Knowing what we do and offer is more of previlage
About Us
At Harmony crest, we are dedicated to providing financial inclusion and empowerment to the people of Gombe and beyond. Our mission is to bridge the financial gap and provide access to affordable financial services, enabling our clients to achieve their economic goals and improve their overall well-being.
- To be the leading microfinance institution in Gombe, known for our commitment to innovation, customer satisfaction, and community development.
- Empowering individuals and communities to achieve financial stability and prosperity through disciplined savings habits, flexible financial solutions, and compassionate support.
Our Vision
Our Mission
Our Values
- Customer-centricity: We put our customers at the heart of everything we do.
- Integrity: We operate with transparency, honesty, and ethics.
- Innovation: We strive to find new and better ways to serve our customers.
- Community focus: We are committed to making a positive impact in our community.
Staff
Loan Give Out
Customers
Awards
Loan Procedure
To get loan from us, here are the step to follow:
Be our Client
Be come our client means to have atleast existing working account with us for atleast six (6) Months
Account operations
Atleats operate it for 30days or more than before apply
Application
Fill the application form and Guarantor Form
Documentations and Processing
Submit all the required credentials including the filled Guarantor form.
Features and Others Services
Here are some of our fetures services
Regular Savings
Regular Savings is a disciplined approach to saving money, where individuals set aside a fixed amount of money at regular intervals. This habit helps build a safety net, achieve financial goals, and secure a stable financial future.
Agro Savings
Agro Savings is a specialized savings program designed to support farmers and agricultural businesses in managing their finances effectively. This innovative savings initiative aims to promote financial inclusion, stability, and growth within the agricultural sector.
Advance Salary Loan
An Advance Salary Loan is a short-term financial solution designed to provide individuals with immediate access to funds before their next paycheck. This loan facility helps bridge the financial gap between paychecks, enabling individuals to manage unexpected expenses, cover essential bills, or take advantage of financial opportunities.
Business Boost Loan
The Business Boost Loan is a tailored financial solution designed to support small and medium-sized enterprises (SMEs) in achieving their growth aspirations. This loan facility aims to bridge the financial gap, empowering entrepreneurs to expand their operations, enhance competitiveness, and create jobs.
Financial Advisory Services
Financial advisory services provide expert guidance to individuals, businesses, and organizations on managing their finances effectively. Financial advisors help clients achieve their financial goals, mitigate risks, and make informed decisions about investments, taxes, and other financial matters.
Property and Project Management Consultant
A Property and Project Management Consultant is a professional expert who provides specialized services to property owners, developers, and contractors involved in construction projects. This consultant brings together expertise in property management, project management, and construction to ensure that projects are completed on time, within budget, and to the required quality standards.
Departments
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Cash
Cash refers to physical currency, such as coins and banknotes, used as a medium of exchange for goods and services.
It is a tangible form of money issued by a government or central bank. Cash is widely accepted for transactions and provides immediate liquidity. It comes in various denominations and currencies around the world, and its value is determined by the issuing authority. Cash is often used for everyday purchases, small transactions, and in situations where electronic payments are not feasible.
Customer Care
Customer care refers to the support and assistance provided by a business or organization to its customers before, during, and after a purchase or interaction.
It focuses on ensuring customer satisfaction by addressing inquiries, resolving issues, and creating a positive experience. Effective customer care involves active listening, empathetic communication, timely responses, and personalized service. It aims to build trust, foster loyalty, and enhance the overall reputation of the company. Excellent customer care can lead to repeat business, positive word-of-mouth, and long-term success for the organization.
Management and ICT
Management refers to the process of planning, organizing, leading, and controlling resources—such as people, finances, and materials—to achieve organizational goals efficiently and effectively.
ICT stands for Information and Communication Technology, which encompasses all technologies used to handle information and facilitate communication. This includes computers, software, internet, networks, mobile devices, and other digital tools. ICT plays a crucial role in modern organizations by enabling efficient data management, improving communication, supporting automation, and enhancing productivity. It is essential for innovation, decision-making, and maintaining competitive advantage in today’s digital world.
Training and Consultancy
Training refers to the process of imparting specific skills, knowledge, and competencies to individuals or groups to improve their performance in a particular area. It often involves structured programs, workshops, or courses designed to enhance employees' abilities, update their knowledge, or prepare them for new roles. Effective training helps organizations increase productivity, improve quality, and ensure employees are competent in their tasks.
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Research and Documentry
Training refers to the process of imparting specific skills, knowledge, and competencies to individuals or groups to improve their performance in a particular area.
ConsultancyConsultancy involves providing expert advice, guidance, and solutions to organizations to help them solve problems, improve performance, or implement changes. Consultants are specialists with deep knowledge in specific fields who analyze an organization’s processes, identify issues, and recommend strategies or actions. Consulting services can cover various areas such as management, technology, human resources, and marketing, and are tailored to meet the client’s unique needs.
Testimonials
Here is what our client Said about us:
"I started with just small weekly savings, and within a few months, I qualified for a loan that helped me pay my children’s school fees. Harmony Crest has truly lightened my financial burden."
Mr. Garba Abdullahi
Ceo & Enterpreneur
"Before I joined Harmony Crest, I struggled with saving money. Now, I save consistently and even earn interest. It feels good knowing my money is safe and working for me."
Chinedu O.
Civil Servant
"Getting a loan from the bank was always difficult, but Harmony Crest made the process simple and stress-free. The repayment plan was flexible, and I didn’t feel overwhelmed."
Abubakar S.
Store Owner
"My tailoring shop was running with only one sewing machine. With the support of Harmony Crest, I was able to purchase more machines and employ two apprentices. My business is now growing steadily."
Grace A.
Entrepreneur
"Accessing a small loan from Harmony Crest helped me expand my poultry business. Today, I supply eggs to more customers and make better profit."
Ibrahim M.
Poultry Farmer
Management Team
Meat our well experiance Team
Shegun Samson ojobo
Managing Diretor (MD)
Mohammed Gidado
Chief Finance Officer (CFO)
Sharafa Gbolahan Lawal
Head of Strategy & project management (HSPM)
Muhammad Rabiu
CTO
Mr. Olanrewaju Adeyemi
Head Admin and Media (HAM)Gallery
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Frequently Asked Questions
What you want to know?
What is Harmony Crest Micro Credit Savings and Loan?
Harmony Crest is a financial institution dedicated to providing savings, loan, and microcredit services to individuals, small businesses, and groups. We aim to promote financial inclusion and empower our members through accessible and flexible financial solutions.
Who can join Harmony Crest?
Anyone who is at least 18 years old, with a valid means of identification and willingness to save regularly, can become a member.
How do I open a savings account?
Simply visit our office or contact our agents to fill out a membership form, provide valid identification, and make your first deposit.
What type of loans does Harmony Crest offer?
We provide personal loans, business loans, group loans, and emergency loans tailored to the needs of individuals and entrepreneurs.
What are the requirements for getting a loan?
To qualify for a loan, you must be a registered member, have a savings record with us, provide guarantors, and meet other basic eligibility criteria.
How much can I borrow?
Loan amounts depend on your savings record, repayment capacity, and type of loan. First-time borrowers usually start with smaller amounts, which can grow as trust is built.
What is the repayment period for loans?
Repayment periods range from 3 to 12 months or morethan, depending on the loan type and amount.
What is the interest rate on loans?
Our loan interest rates are affordable and transparent. Rates vary by loan type but are designed to be fair and supportive to our members.
Contact
Visit us here and have wonderful day with us
Address
Suit No. 210/2011, A.Y.U Plaza, Central Round About,
Adjacent Gombe Line Terminus, Gombe, Gombe State
Call Us
+234-808-234-0522
+234-802-696-7322
Email Us
infor@hciei.come
harmonycrestinternational@gmail.com