Innovet

MSMES and Co-op ecosystem.

Welcome to Innovet!

Innovet offers a seamless and secure digital payment solution that caters to the unique needs of MSMES, cooperatives, customers and participating retailers.

Connect

Load money on your Innovet Account to contribute, pay, buy and transfer.

mySacco

Setup your shop, upload products. Buy in with your Innovet Marketplace Credit.

myPay

Grow an investment portfolio you can borrow against.

Services

Registration on Innovet gives exclusive access to value added services that leverage cooperation to build wealth for the movement.

Why choose Connect

  • tick Tailored for SME and Cooperators: Connect understands the specific financial needs and challenges faced by SME and the cooperative movement.
  • tick Comprehensive Service Integration: Access a variety of Innovet VaS services through one unified platform
  • tick Enhanced Community Focus: Strengthen your financial ties within the MSME and cooperative community, ensuring that every transaction contributes to the collective good
  • tick Convenient and User-Friendly: Experience a seamless and straight forward interface that makes managing your finances a breeze

Connect features:

  1. Easy Payments and Transfers: Quickly and easily send money to other cooperators, merchants, and loved ones.
  2. Mobile and Online Banking: Manage your account anytime, anywhere with our mobile and online banking services.
  3. Bill Payments: Pay your bills directly from your Connect account with just a few clicks.
  4. Merchant Services: Accept payments and manage transactions effortlessly if you are an MSME or cooperative merchant
  5. Transaction Alerts: Receive instant notifications for all transactions to keep track of your spending.
  6. Detailed Statements: Access detailed statements of your account to monitor and manage your finances effectively

Connect overview:

Connect is more than just a payment service; it is a comprehensive financial solution designed to support and enhance MSMES and the cooperative movement in Zimbabwe. Connect provides a secure and efficient way to handle your transactions. From everyday purchases to more complex financial interactions, Connect is equipped to handle all your needs

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Connect overview:

i) Use Connect for all your financial transactions, making it your main account, ii) Connect serves as a gateway to a plethora of Innovet Value-Added Services, ensuring you get the most out of your membership, iii) With advanced security measures, Connect ensures your money and data are always safe.

Join the revolution with Connect and make your financial activities more efficient, secure, and rewarding. Let Connect be your conduit to a world of seamless financial transactions and comprehensive Innovet Value-Added Services.

Connect benefits:

Choosing Connect comes with numerous benefits that cater specifically to cooperators.

  1. Streamlined Transactions: Enjoy quick and hassle-free transactions, making it easier to conduct your financial activities.
  2. Community Empowerment: Strengthen the MSME and cooperative movement by using a service designed to support and grow the community
  3. Financial Inclusion: Ensure that all members of your cooperative, regardless of their financial status, have access to essential financial services
  4. Cost Efficiency: Benefit from lower transaction fees and costs compared to traditional banking services
  5. Comprehensive Support: Access to dedicated customer support to assist you with any issues or questions you might have
  6. Enhanced Cooperation: Facilitate smoother and more efficient financial interactions within the MSME and cooperative network

Why choose the mySacco?

  • tick Support MSME and Cooperative Growth: By shopping at mySacco, you directly support the development of MSME and cooperative businesses
  • tick Quality and Trust: Our products are made by cooperatives, ensuring high standards of quality and ethical production practices
  • tick Enhanced Purchasing Power: Take advantage of the mySacco Account and Loyalty Program to maximize your buying potential
  • tick Community Empowerment: Foster a stronger MSME and cooperative community by circulating money within the movement

mySacco Features:

  1. Diverse Product Range: Access a wide variety of products made by MSMES and cooperatives, all under the UBrand
  2. mySacco Account: Get credit to make purchases and manage your finances more effectively
  3. Loyalty Program: Earn points and rewards for every purchase, redeemable for discounts and special offers
  4. Value Chain Integration: Engage in a cooperative value chain from farmers to retailers, promoting sustainable development
  5. Consumer Credit: Benefit from flexible credit options, enhancing your purchasing power and enabling more significant investments in MSME and cooperative products

mySacco overview:

mySacco is a retail franchise dedicated to selling products made exclusively by MSMES and cooperatives. This unique approach creates an ecosystem where MSMES and cooperators can buy and sell within a supportive network. From farmers to processors, transporters to retailers, every link in the value chain is an MSME or cooperative, ensuring that the benefits of each purchase stay within the community

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Subject overview:

i)Shop a wide range of products made by cooperatives, ensuring quality and ethical production, ii) Encourage the growth of cooperative value chains, from production to retail, iii) Access credit through the mySacco Account, fueling your purchasing power, iv) Earn rewards and benefits with every purchase, enhancing your shopping experience

By choosing mySacco, you are not just making a purchase; you are contributing to a thriving cooperative ecosystem that values community, quality, and sustainability. Experience the unique benefits of shopping at mySacco and become an integral part of a movement that empowers cooperators and consumers alike. Join us at mySacco, where every purchase makes a difference!

mySacco benefits:

Shopping at mySacco comes with numerous benefits for MSMES, cooperators and consumers

  1. Enhanced Purchasing Power: With the mySacco Account, access credit to make larger purchases or manage cash flow more effectively
  2. Rewards and Savings: Participate in the Loyalty Program to earn rewards, discounts, and exclusive offers
  3. Circulating Wealth: Keep money circulating within the cooperative community, strengthening the economic foundation of the movement
  4. Quality Assurance: Enjoy high-quality products made by cooperatives, with a focus on ethical production practices
  5. Support Local MSMES and Cooperatives: Every purchase supports local MSMES and cooperative businesses, fostering community growth and sustainability
  6. Sustainable Development: Promote the development of MSME and cooperative value chains, ensuring that every stage of production benefits the MSME and cooperative movement.

Why Choose CDEs?

  • tick Invest in Yourself: By purchasing CDEs, you are directly investing in cooperative society projects, benefiting both you and your community.
  • tick High Returns: Enjoy high returns from primary industry cooperative projects that drive sustainable growth
  • tick Risk Reduction: Benefit from reduced risk through the insurance of underlying assets in any CDE listing
  • tick Diversified Portfolio: Achieve diversification by investing in a portfolio of CDEs across different cooperative sectors and geographies
  • tick Support Cooperative Development: Contribute to the financial stability and development of cooperative societies that face unique funding challenges.

CDE Features:

  1. Monthly Investment Plans: Dedicate a certain amount of money monthly to the purchase of CDEs, building a robust investment portfolio over time.
  2. High-Return Projects: Invest in high-return projects primarily in the primary industry sector, ensuring substantial financial growth.
  3. Insured Assets: All underlying assets in CDE listings are insured, providing additional security and risk reduction for investors.
  4. Diversification: Build a diversified portfolio of CDEs across various cooperative sectors and geographic regions, mitigating risk and enhancing returns
  5. Support Cooperative Growth: Directly support cooperative society projects that face challenges in securing traditional funding

CDE overview:

The Cooperative Debentures Exchange is a primary and secondary market for African debt securities known as CDEs. This platform enables cooperators to invest in a variety of cooperative society projects, fostering a sustainable ecosystem for cooperative growth. By investing in CDEs, cooperators can support projects that are crucial to the development of their societies, while also enjoying financial returns.

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CDE overview:

i) Primary Market: Invest in newly issued CDEs that fund cooperative society projects, ii) Secondary Market: Trade existing CDEs, providing liquidity and flexibility for investors, iii) High-Return Investments: Focus on primary industry projects with high potential returns, iv) Insurance of Assets: Reduce risk by insuring the underlying assets of CDE listings.

By choosing the Cooperative Debentures Exchange, you are not only securing your financial future but also empowering your cooperative society. The CDE provides a unique opportunity to invest in high-return projects, reduce investment risk, and diversify your portfolio. Join us at the Cooperative Debentures Exchange and start investing in yourself and your community today!

CDE Benefits:

Investing in the Cooperative Debentures Exchange comes with numerous benefits for cooperators

  1. Invest in Cooperative Projects: By purchasing CDEs, you are investing in projects that benefit your cooperative society, fostering community development and financial stability
  2. High Financial Returns: Enjoy high returns from investments in primary industry cooperative projects, driving significant financial growth
  3. Empower Cooperative Societies: Contribute to the financial empowerment of cooperative societies, which face unique challenges in raising traditional funding
  4. Reduced Investment Risk: Benefit from the reduced risk provided by the insurance of underlying assets in CDE listings
  5. Monthly Investment Plan: Take advantage of a structured monthly investment plan, allowing you to steadily build a substantial investment portfolio

How to Register

Don't miss out on the chance to be recognized, supported, and connected! Register on Innovet and be empowered for wealthier cooperation.

1 - Register at https://Innovet.co.zw. Reg Fee US$12/yr.

Commitment

- Always Pay with Your Innovet Card Commit to use your Innovet Card first to pay wherever possible

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2 - Submit Know Your Cooperator (KYC) documents. Profile Pic, National ID, Reg Fee Receipt.

Commitment

- Contribute regularly to grow security for loans Commit US$50 monthly contribution to CDE purchases

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3 - KYC info verification within 24hrs.

Commitment

- Buy from other cooperators Commit to US$20 monthly spend in the mySacco

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4 - Innovet confirmation and Member ID. sent via SMS.

Commitment

- Sell to other cooperators Commit 10% of your production to consignment stock in the mySacco

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The MSME and Cooperator.

The MSME and Cooperator is a monthly publication tailored for MSMES and cooperators in Zimbabwe, free for those registered on Innovet. As an essential resource, The MSME and Cooperator offers invaluable insights, updates, and guidance, ensuring that no MSME or cooperator misses out on the latest developments, opportInnovetes, and success stories within the movement.

Read Online

250000

Users

Innovet User MSME cooperators current readership.

235

Agents

Innovet financial intermediaries current readership

2450

Merchants

Innovet Merchant current readership

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Leverage payments, insurance and retail economies through cooperation.

By registering you become a member of three influential co-op societies under the umbrella of Co-ops Africa: Connect Savings and Credit Co-op, Co-op Sure Insurance Co-op and mySacco Consumer Co-op.

Join Us

URewards Card

Welcome to the world of URewards Card which helps you save as you spend. Welcome to the smarter, simpler life.

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Whenever you use your URewards Card, you earn uRewards which you can use to pay your outstanding balance or exchange for exciting gifts from the Rewards Catalogue. Now get rewarded every time you spend on your URewards Card.
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Get uRewards every time you buy from your online store https://urewards.Innovet.co.zw, pay for Connect invoices, buy Connect vouchers and buy in-store on a merchant Mobile PoS with your URewards Card.
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Login to your Innovet Account at Innovet.co.zw and experience the power to do more : i) Payments (bulk, schedule, recurring, invoice, online, cash-in cash out, requests, loan repayment , pay to QR Code, to other cards, transfers ii) Banking (multi currency, loan accounts, manage your credit limit) iii) Account Information (account summary, current balance, payments history) iv) Message (send messages to other card holders, send bulk messages, forward to email, message history) v) Vouchers (buy product and merchant vouchers, view bought vouchers vi) SMS (make payments, receive notifications) vii) Rewards Store (browse adverts, buy, sell, give and check references) No matter where you are, we will keep you informed. Innovet Card Alerts enable you to receive information regarding your credit card as an Email and SMS on your mobile phone.
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Get enhanced security for online transactions made with your URewards Card with One Time Password (OTP) & Instant Transaction Alerts. These security features gives peace of mind while doing online or phone credit transaction.
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Download the Credit Terms & Pricing

Innovet VaS Subscriptions

Zimbabwe co-op products are exceptional due to their high quality, ethical production processes and strong community impact. By supporting co-ops you contribute to sustainable livelihoods and economic empowerment for our commInnovetes. Register and as a Innovet member access cooperator discounts, credit and so much more.

$10.00
Co-op Sure Insurance Co-op
eduSure Starter @school ambulance, accident and hospitalisation cash cover
  • Paid: Monthly
  • Benefit: US$1,500
Contribute

$20.00
Co-op Sure Insurance Co-op
eduSure Plus @school ambulance, accident and hospitalisation cash cover
  • Paid: Monthly
  • Benefit: US$2,500 Cover
Contribute

$30.00
Co-op Sure Insurance Co-op
eduSure Starter @school ambulance, accident and hospitalisation cash cover
  • Paid: Monthly
  • Benefit: US$3,500 Cover
Contribute

$50.00
Connect Savings & Credit Co-op
URrewards Card Contribution
  • Paid Monthly
  • Benefit: 3x CDE Bal Credit
Contribute

$10.00
mySacco Consumer Co-op
mySacco Franchise Consumer Loyalty Contribution
  • Paid: Monthly
  • Benefit: Upto 50% discount
Contribute

Ready to get started?

The Innovet is committed to offering cooperators exceptional benefits, through its unique structure ensures lower fees, substantial discounts and favourable risk products.

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