Empowering Communities
Empowering Communities
Designed to support economically active but financially excluded individuals, especially women, with daily and weekly loans from ₦100,000 to ₦700,000.
Financing solutions for solar and high-end energy projects with repayment plans from 3 to 24 months, up to ₦7,000,000.
Loans for income-generating equipment like sewing machines and refrigerators, plus skills training in customer service, fund management, and entrepreneurship.
Scent of Water Development and Empowerment Centre (SOWDEC) is a Lagos-based NGO established in 2018 and registered with CAC (CAC/IT/NO 122050). We are committed to promoting financial inclusion for Nigeria’s underserved communities through micro-lending, capacity building, and skill acquisition initiatives that empower especially women and the girl-child.
More About Us
To continually inspire hope in the most economically disadvantaged individuals in society through micro-lending and skills acquisition.
To eradicate poverty and elevate socio-economic conditions by providing micro-credits, savings, insurance, and equipping individuals with income-generating skills such as tailoring, solar installation, and business management.
Daily, weekly, and monthly repayment loan schemes designed to support micro-enterprises with capital ranging from ₦100,000 to ₦700,000.
Loans to promote solar-powered and clean energy solutions for households and businesses, repayable over 3 to 24 months with flexible terms.
Financial access for income-generating tools (e.g., sewing machines, freezers) and vocational skills like tailoring, bead-making, cosmetics, and more.
"Empowering the underserved with access to finance and skills is the surest path to lasting transformation."
Together with our partners, we’re making a meaningful difference in communities.
Branches Nationwide
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Stay updated on our micro-loan programs, empowerment training, and community impact.