LoadingLoadingLoadingLoadingSACCO governance, loan books, and rural members—without a banking licence.
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Cooperative finance fails in related-party loans, dormant accounts used as float, and an AGM that cannot read the financials. This MSc starts there. You will interrogate a loan book, design a member-communication note, and map a liquidity plan for harvest season—without this university claiming a central-bank licence. African Future University centres African cooperatives and MFIs because commercial-bank MBA cases hide member-governance politics. Digital payments appear as agency banking and mobile-money float, always with the boundary that this degree is not a licence to issue e-money. AfCFTA appears only as cross-border remittance friction members actually face. The award is academic. It is not a banking licence, not CPA, and not a deposit-taking authorisation. It is for managers who must keep a SACCO honest when the inspector is two years late. You will compare a harvest-season liquidity plan with a related-party loan that an AGM cannot see in the printed accounts. Identity-checked exams test governance memos. Central-bank deposit-taking authorisation is not conferred. Study is tuition-free online aside from the examination fee, and rural member AGMs are required cases rather than optional colour.
Thirty-six credits: cooperative governance, credit operations, digital rural channels, and a member-institution capstone. Identity-checked exams. No banking licence is implied.
Study online
Every programme can be completed fully online with zero tuition fees — study from anywhere in the world.
| Code | Course | Credits |
|---|---|---|
| AFU961 | Member Ownership versus Capture Member Ownership versus Capture — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU962 | Boards, AGMs, and Unreadable Accounts Boards, AGMs, and Unreadable Accounts — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU963 | Related-Party Lending Related-Party Lending — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU964 | Ethics of Dormant Accounts and Float Ethics of Dormant Accounts and Float — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| Code | Course | Credits |
|---|---|---|
| AFU965 | Loan-Book Quality and Evergreening Loan-Book Quality and Evergreening — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU966 | Group Lending and Coercion Risks Group Lending and Coercion Risks — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU967 | Savings, Shares, and Liquidity Seasons Savings, Shares, and Liquidity Seasons — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU968 | Delinquency without Humiliation Theatre Delinquency without Humiliation Theatre — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| Code | Course | Credits |
|---|---|---|
| AFU969 | Agency and Mobile-Money as Operations (Not a Licence) Agency and Mobile-Money as Operations (Not a Licence) — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU970 | EN/FR Cooperative Administration Documents EN/FR Cooperative Administration Documents — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU971 | Supervision Circulars as Texts, Not Authorisations Supervision Circulars as Texts, Not Authorisations — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU972 | Cross-Border Member Remittance Friction Cross-Border Member Remittance Friction — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| Code | Course | Credits |
|---|---|---|
| AFU973 | Cooperative-Finance Research Methods Cooperative-Finance Research Methods — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU974 | Anonymised Loan-Book Diagnosis Anonymised Loan-Book Diagnosis — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU975 | Writing for Boards and Members Writing for Boards and Members — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
| AFU976 | Capstone: SACCO/MFI Operations File Capstone: SACCO/MFI Operations File — assessed module on the MSc Cooperative Banking and Microfinance Management pathway.
| 3 |
Modules are assessed through a published mix of coursework, applied projects, and examinations. Exam windows are announced in advance so students in other time zones are not forced into overnight sittings. Alternative arrangements are available where documented.
The published duration is 18 months. Teaching language: English + French assessment options. Actual time-to-complete depends on mode and any recognised prior learning.
This is a fully online award. You study from your country. No student visa and no campus relocation are required.
Degree tuition for this award is published as £0 / tuition-free on the online pathway. Examination or administrative fees may apply at checkout — never an annual tuition invoice. Check the Fees page for any extras.
Requirements are grouped on this page (academic, English, documents). Equivalent qualifications are considered. English may be waived after prior English-medium study.
Assessment is typically a mix of coursework, projects, and examinations. Doctoral awards include a thesis or dissertation and an oral examination. Details sit in the programme specification and module outlines.
Recognition of the award for local employment, professional licence, or ministry attestation is decided by your employer or regulator. African Future University publishes verification pages for certificates. We do not claim automatic equivalence in every country.
Start an application on this website. Progress is saved from the first step. Admissions: admissions@afutureuni.com.
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