The Government Enterprise and Empowerment Programme (GEEP) is a core initiative of the National Social Investment Programme Agency (NSIPA) designed to drive financial inclusion across Nigeria. By providing interest-free, collateral-free loans, GEEP targets the “unbanked” and “underbanked” populations, specifically smallholder farmers, artisans, and traders. The Federal Government GEEP Empowerment 2026 cycle offers three specialized pathways: FarmerMoni (up to ₦300,000), TraderMoni, and MarketMoni (up to ₦100,000 each). This program removes traditional banking hurdles like high interest rates and asset collateral, allowing beneficiaries to scale their micro-enterprises and agricultural productivity. With a focus on grassroots economic growth, GEEP 2026 remains a vital tool for poverty reduction and local entrepreneurship in all 36 states and the FCT.
Federal Government GEEP Empowerment 2026 Summary Table
| Detail | Value |
|---|---|
| Host Agency | NSIPA (Federal Government of Nigeria) |
| Loan Amount | Up to ₦300,000 (Based on category) |
| Interest Rate | 0% (Interest-Free) |
| Collateral | None Required |
| Target Group | Farmers, Traders, Artisans, Market Women |
| Repayment | Flexible Structure |
| Deadline | Ongoing / Not Specified |
Federal Government GEEP Empowerment 2026 Details
The 2026 Government Enterprise and Empowerment Programme (GEEP) is the Federal Government’s response to the credit gap facing millions of Nigerians in the informal sector.
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Administered by NSIPA, the program seeks to provide the necessary working capital for small businesses to thrive. Whether you are a farmer looking for fertilizers or a petty trader needing to restock inventory, GEEP offers a transparent, digital-first approach to micro-lending that empowers the backbone of the Nigerian economy.
Federal Government GEEP Empowerment 2026 Benefit Categories
Tier 1: FarmerMoni (Agricultural Support)
FarmerMoni is specifically tailored for smallholder farmers. It provides loans of up to ₦300,000 to assist in the purchase of seeds, fertilizers, equipment, and other essential farming inputs. This tier aims to boost national food security by empowering rural farmers.
Tier 2: TraderMoni (Micro-Enterprise Growth)
TraderMoni targets petty traders, artisans, and young entrepreneurs. It offers quick and accessible loans of up to ₦100,000. This capital is intended to improve cash flow, increase stock levels, and help micro-businesses survive economic fluctuations.
Tier 3: MarketMoni (Women Empowerment)
MarketMoni is dedicated to market women across Nigeria. Providing up to ₦100,000 in interest-free credit, this program helps women grow their working capital and restock their inventory, fostering financial independence within local markets.
Eligibility Requirements for Federal Government GEEP 2026
- Nationality: Must be a citizen of Nigeria.
- Vocation: Must be a smallholder farmer, petty trader, artisan, or market woman.
- Identification: Must possess a valid National Identification Number (NIN).
- Location: Must be operating within a recognized community or local government area in Nigeria.
- Guarantor: Must be able to provide details of a reliable guarantor (Name, Phone, Address).
Required Documents for Federal Government GEEP Empowerment 2026
- Valid National Identification Number (NIN).
- Passport Photograph.
- Valid ID Card (Voter’s Card, Driver’s License, or NIN Slip).
- Residential Address and State/LGA details.
- Guarantor’s Information (Name, Phone Number, and Email).
How to Apply for Federal Government GEEP 2026 (Step by Step)
- Visit the Official Portal: Click the application button below to go to the NSIPA/GEEP webpage.
- Select Program Category: Choose between FarmerMoni, TraderMoni, or MarketMoni based on your business type.
- Register/Login: Provide your NIN and phone number to begin the registration process.
- Fill Application Form: Input your personal details, business nature, and location.
- Submit & Wait for Verification: Once submitted, officials will verify your business location or farm before loan disbursement.
CLICK HERE TO APPLY
Frequently Asked Questions (FAQ)
1. Is there any interest charged on the GEEP loan?
No. The GEEP program (FarmerMoni, TraderMoni, and MarketMoni) is strictly interest-free. You only pay back the exact amount you borrowed.
2. Do I need to provide a house or car as collateral?
No. GEEP loans are collateral-free. You only need a valid NIN and a reliable guarantor to qualify.
3. How much can a farmer get from FarmerMoni?
Qualified smallholder farmers can access loans of up to ₦300,000 depending on the scale of their farming activities.
4. What is the difference between TraderMoni and MarketMoni?
While both offer up to ₦100,000, TraderMoni is open to all small-scale traders and artisans, whereas MarketMoni specifically targets market women and their cooperatives.
5. Is a NIN mandatory for application?
Yes. The National Identification Number (NIN) is the primary means of identification and is required to prevent double-dipping and ensure transparency.
6. How do I pay back the loan?
The repayment structure is flexible and usually spread over several months. Specific instructions are provided via SMS or through your registration center upon approval.
7. Can I apply if I don’t have a registered business?
Yes. GEEP is designed for the informal sector, including petty traders and artisans who may not have formally registered companies with the CAC.
8. Is there an application fee?
No. Application for any Federal Government Social Investment Program, including GEEP, is completely free. Beware of scammers asking for “processing fees.”
9. Where can I register for GEEP?
You can register online through the official NSIPA portal or at approved registration centers within your local government area.
10. How long does it take to get the loan?
The timeline varies based on the verification of your NIN and your business location. Once verified, funds are disbursed directly to the beneficiary’s account or mobile wallet.