About Us


Our Approach
Our investment committee brings decades of industry expertise in driving our investment approach, portfolio construction, and allocation advice with efficient management.
Our Philosophy
With a distillation of its culture and a set of core values in our business practices, Jigawa Savings & Loans is consistently studying methods for improving the business environment and work efficiency.


To be a leading player in the development of the mortgage market in Nigeria, and to be the provider of affordable housing finance to all categories of Nigerians
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Corporate Focus

To be the first major link of the primary mortgage market in Nigeria to the Nigerian Capital Market, and eventually, the first liquidity conduit of Nigerian conforming mortgages to global capital markets
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To achieve effective and efficient service delivery through optimum use of trained manpower, cutting edge technology and industry best practices
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Housing has been rightly identified as a basic psychogenic need to all, perhaps second only to food, and also the single largest initial family investment. It is not only a shelter, but a source for capital, large enough to fuel a broad-based transformation of the economy, and also to induce a significant reduction in poverty.


Jigawa Savings and Loans (JSL) Ltd was incorporated in 1999 as a limited liability company in Nigeria by the Corporate Affairs Commission under the Company and Allied Matters Act (CAMA), and granted operating license in 2000 by the Central Bank of Nigeria as a Primary Mortgage Institution (PMI) under the Banking and Other Financial Institutions Act, and accredited to do mortgage business by the Federal Mortgage Bank of Nigeria (FMBN).
It started its operations from its former Head Office at the Maigatari Border Free Zone Complex in Maigatari Local Government Area, and two branch offices at Maigatari and Kazaure all in Jigawa State. The Company’s intention to take its services near to its existing and potential customers, led to the opening of additional branches at Dutse and Ringim towns, all in Jigawa State in 2009. The company is wholly owned by Jigawa State through the proxy of appointed Directors, with the State Government owning 84% and the 27 LGAs owning the remaining 16%.

JSL LTD Departments

Banking & Mortgage Operations Department
Marketing & Business Development Department
Administrative & Human Resources Department
Internal Audit Department
Legal Department
JSL is a registered bank at the Corporate Affairs Commission, and licensed by the Central Bank of Nigeria, and we are accredited by the Federal Mortgage Bank of Nigeria. JSL is a bonafide member of the Mortgage Bankers Association of Nigeria. We have registered a subsidiary Estate Development Company, Jigawa Homes Ltd, through which we undertake Real Estate Development and services. We have created and perfected the single largest pool of mortgages ever in Nigeria, and through our modest achievements, have gotten many housing awards for our Governor and our state, thereby positively projecting the image of our state both nationally and internationally