We shall limit our operations to the following aspects already identified by the Central Bank of Nigeria for Microfinance banks.

• Acceptance of various types of deposits including savings, time, target and demand deposits from individuals, groups and associations; except public sector deposits from government agencies;
• Provision of credit to its customers, including formal and informal self-help groups, individuals and associations;
• Promotion and monitoring of loan usage among its customers by providing ancillary capacity building in areas such as record keeping and small business management;
• Issuance of redeemable debentures to interested parties to raise funds from members of the public with the approval of the CBN;
• Collection of money or proceeds of banking instruments on behalf of its customers through correspondent banks;
• Provision of payment services such as salary, gratuity, pension for the various tiers of government;
• Provision of loan disbursement services for the delivery of credit programme of government, agencies, group and individual for poverty alleviation on non-recourse basis;
• Provision of ancillary banking services to their customers such as domestic remittance of funds and safe custody;
• Maintenance and operation of various types of accounts with other banks in Nigeria;
• Investment of surplus funds of the MFB in suitable instruments including placing such funds with correspondent banks in Treasury Bills;
• Pay and receive interest as may be agreed upon between the bank and her client in accordance with existing guideline;
• Operation of micro leasing facilities, microfinance related hire-purchase and arrangement of consortium lending and supervise credit schemes to ensure access of microfinance customers to input for their economic activities;
• Receiving of financing or other funds from CBN and other sources, private or public, on terms mutually acceptable to both the provider of the funds and the recipient MFBs;
• Provision of microfinance related guarantee for their customers to enable them have greater access to credit and other resources;
• Buying, selling and supplying industrial and agricultural inputs, livestock, machinery and industrial raw materials to poor persons on credit and to act as agent for any association for the sale of such goods or livestock;
• Investment in shares or equity of any body corporate, the objective of which is to provide microfinance services to the poor;
• Encouragement of investment in cottage industries and income generating projects for poor persons as may be prescribed by the CBN;
• Provision of services and facilities to customers to hedge various risk relating to microfinance activities;
• Provision of professional advice to poor persons regarding investment in small businesses; rendering managerial, marketing, technical and administrative advice to customers and assisting them in obtaining services in such fields;
• Mobilize and provide financial and technical assistance and training to micro-enterprises;
• Provision of loans to microfinance clients for home improvement and consumer credits and
• Performance of non-banking functions relating to microfinance related business development services such as cooperatives and group formation activities,  rural industrialization and other support services needed by micro enterprises.