OWAFor market traders and retailers

Know your stock. Understand your profit.
Build towards your next opportunity.

OWA helps market traders keep track of stock, record business activity through WhatsApp and understand how their business is performing, with practical support from an OWA agent.

Get started with OWATalk to our team

The everyday challenge

You know how hard you work. But do your records show what your business is worth?

You buy stock, make sales, pay expenses and restock to keep your business moving. When transactions are recorded inconsistently, it becomes harder to track activities.

A trader's notebook with unclear records
  1. 1

    Do you know how much profit your business makes each month?

  2. 2

    Do you keep track of stock and identify discrepancies?

  3. 3

    Do you separate business expenses from money taken home?

  4. 4

    Do you show evidence of your performance when seeking financing?

What OWA helps you do

Your business, better understood.

No complicated accounting software. Just the tools you already use and an agent who knows your market.

What you get

Built for how traders really work

The Ówà Co-operative

Save together.
Borrow fairly.

Members save a small amount each month with their OWA subscription. After six months of savings and verified sales history, they unlock credit.

CASH LOAN

Low interest

Based on your savings and verified sales history.

INVENTORY LOAN

0%

Goods on credit, repaid over 3-6 months, below market price.

  1. Your savings+ SaveM1M2M3M4M5M6

    Every month

    Save monthly

    Save with your OWA subscription and build savings over time, according to the programme’s terms.

  2. Savings and sales historyM1M2M3M4M5M6

    Months 1 to 6

    Build 6 months of history

    Keep consistent sales and inventory records through OWA alongside your savings.

  3. 6monthsCash loanGoods on credit

    After month 6

    Unlock credit

    Eligible members may qualify for a cash loan or goods on credit, subject to assessment and offer.

Plans

Simple monthly plans

Questions traders ask us

Frequently asked
questions

01
Who is OWA for?
Market traders and informal retailers, from individual shop owners to wholesalers and traders running several shops, who want clearer records of their stock, sales and profit.
02
Do I need accounting knowledge?
No. You share business information through WhatsApp, an OWA agent helps count your stock, and your monthly profit report is explained to you.
03
How does WhatsApp fit in?
WhatsApp is how you share your business activity with OWA, using messages and, where supported, voice notes. That information is organised into your records.
04
Will OWA automatically give me a loan after six months?
No. Eligible Co-operative members may qualify for a financing assessment. Eligibility does not guarantee approval; the provider decides.
05
Can I get goods on credit instead of cash?
Depending on eligibility, assessment and the applicable offer, financing may be a cash loan or goods on credit. Terms are explained before you commit.
06
How much does OWA cost?
₦5,000/month for Retailers, ₦15,000/month for Wholesalers and ₦50,000/month for distributors. Co-operative savings are separate from your plan fee.

Still have questions?

An OWA agent can talk you through it.

Speak to an OWA agent