The Youth Citizen Entrepreneurship Competition is an activity within the framework of the UNESCO Global Action Programme (GAP) on Education for Sustainable Development (ESD)

Best Projects 2019 features all the nominated entries submitted ‘Submit your Project’ category. All the entries consist of innovative projects run by existing enterprises in the form of businesses, NGOs or informal programs.

Honeypays Interest-Free Loan

Type of Enterprise registered company
Year the ngo or company was founded 2017
This bar shows in a scale of 0-10 the Factor of an idea and his owner PROPORTIONAL TO ALL OTHER IDEAS AND OWNERS - 10 is the best, 0 is the worst value. The blue bar changes constantly due to the votes, comments, ratings and activities on this and other ideas.
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Explain your project in details:

From our research, we discovered that the active poor and the small business owners/traders are at a disadvantage when it comes to raising funds to improve on their businesses despite their huge contributions to the growth of the GDP, Nigeria being our model. This is one of the discoveries that birthed Honeypays Micro Credit and Investment Ltd. At Honeypays, we are passionate about contributing our own quota to putting an end to extreme hunger and poverty and hunger in West Africa and Africa as a whole, starting from Nigeria. We try to achieve this objective by giving Stress and interest free loans to small entrepreneurs and the 'active poor'. This is not a handout, as we try to be involved in your business to ensure the success of your business so as to ensure you are able to repay out loans. We play advisory roles, we organize training periodically on how to manage and grow businesses. We also encourage our members and beneficiaries to save for the rainy days, these savings are, of course, at no price to the members or beneficiaries. We are currently planning a project tagged #HoneypaysSaveToEmpower Project. This will enable some of our members qualify for a 'draw' where they are to 'win' Power Tools, Sewing Machines, etc., on other words, the organization intends to give our things that will encourage entrepreneurship and self-sustainability.

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Impact of your enterprise on sustainable development

We have been at this for over 2 years and over the years, we have empowered over 300 businesses with Interest-free loans.

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Sustainability and future plans

We currently do not have external funding, this has restricted the scope of our reach but has not stopped us. However, we are striving to grow so as to be able to reach more businesses. Our primary source of fund is savings from our members and our own personal contributions. If we are able to get more funds, it will make us grow our reach exponentially and for us to be able to empower more people.

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Your profile as an entrepreneur

I am a College graduate with few years experience in the finance industry. I have also tried my hands on a couple of business and entrepreneurial endeavours which would later serve as a major drive for the Honeypays Dream, coupled with my experience as a business developer in the Banking industry. I saw first hand how difficult it is to access funds for small businesses and during my days in the Banking industry in Nigeria, I met a lot of people who needs funding, even if it's just a very little amount to be able to grow their businesses but because of the scope and focus of the Nigerian Banks, are not able to access any funding. This prompted my decision to resign my appointment with the Bank and go into partnership with the Co-midwife of the Honeypays Dream who is also a staunch entrepreneur and a Business trained fellow. I was born on the 19th of March, 1990. This passion to end extreme hunger and to see more people living above the poverty line has been one of my major drivers in this business.

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Vote now for: Honeypays Interest-Free Loan

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Ifeoma Azikiwe

July 16, 2019 20:01

Honeypaysn.has a great plan. This plan has been beneficial to so many businesses....I choose them over and over again...I cant wait to see them.move to greater heights.

Faith Apre

July 16, 2019 19:23

This is a good and great initiative, having the common mans interest at heart. Keep up the good work.
With projects like this poverty will be eradicated in our society if not fully at least 80% . Weldon.

July 16, 2019 15:30

Amazing and interesting innovation. This idea is untapped in the entrepreneurship world. Keep working hard as you continue to work on your project for its growth stage. Best wishes.

July 16, 2019 14:05

Another day to give you my support.

There is time we face issue while working on our project. Sometimes it is easy do deal with the problem but sometimes not. If you feel like giving up, remember to take a time to analyse the problem ,and then, to think outside the box to find the perfect resolution.

We have to interact with other people's idea/project if we hope to be among the finalists. That is why I am asking you to comment and vote for my idea: High Thermal Insulation Perpend (HTIP) at which is nominated in the Youth Competition - Best Ideas 2019 category.
I always vote for those who take time to vote for me and leave a comment on my idea

Good luck in this competition.

Hope to see your comment on my idea.

July 16, 2019 11:28

Hello Abiola, my vote for the day has been cast. I hope you are fine. Best wishes,
#Save our Soles
[email protected]
#necessity is the mother of invention #

Daniel Ayebakuro

July 16, 2019 11:03

Firstly, I'll like to say thanks to the organizers...
Secondly, I am in 100% support of this Honeypay project of non-interest loan for young entrepreneurs etc. Because I believe interest is one basic thing people fear most in obtaining a loan for business not the capital. I discovered that usually, anyone who indicates interest for a loan has basic plans and methods to pay back, but the interest on the loan makes them decline, so wouldn't even speak of it.
The impact of this is we have several people with beautiful ideas that could impact positively even on the economy would not dare to... For fear of interest on loans.

I know that what I've said may or may not make sense to you.
Thank you


July 16, 2019 10:51

The passion to end extreme hunger coming from a diligent and passionate lady is worth every penny. This is a plus to the financial industry, HONEYPAYS TRULY PAYS.

Favour Ibe ikoro

July 16, 2019 00:39

I believe in this vision,I believe in the vision bearer and I believe God to make honeypaid company to win this competition...and a big thanks to the organizers as well.

Patrick Blessing Akpoebi

July 15, 2019 23:18

Honey pays has really impacted in the life of so many youths in Nigeria, keep doing what you know how to do best. May God bless and give you the grace to keep doing your good works

Judith Fabby

July 15, 2019 23:09

Honey pays is one the best companies that has been able to tackle poverty amongst our people.. Giving real opportunities to us.Honey pays is the real deal.God bless Honey pays.. Honey pays has my complete vote


July 15, 2019 23:05

Honeypays my Honeypays......indeed you truly pays. Yes at a time where to get loans for a business and then you see different criteria and all sorts of collaterals......But with Honeypays it easy , mean easy as ABC with no stress....... with Honeypays get stress free LOANS.

Blessing Ogbonna

July 15, 2019 22:07

The idea to reach out to the masses by offering an intrest free loan is a way of reviving the SME and thereby helping the youths of the country at large,once again thank you honeypays

Nemine Ruth

July 15, 2019 22:01

Its a good thing that the common man is been considered, as a business woman its always very difficult getting loads and even when you are given the interest rate is so high that it becomes difficult to pay back, but with projects like this the small business man and woman is secured with that confidence to grow his or her business even on load

Francis Josephine

July 15, 2019 21:39

I love dat u have d common man's interest at hand . U r such a blessing to dis generation and i wish i can impact lives just as u do. Dis movement is amazing and am so in support of it may God bless u richly as u continue on ur mission at changing lives for the better .

July 15, 2019 12:50

Vote 59

Booker T.W said; If you want to lift yourself up, lift up someone else. I am here to support your amazing idea and inviting you to support mine too through the link below;
Have a great week ahead and i hope i can count on your vote as well

Kind regards
MotherCare app

July 15, 2019 10:04

I supported your project.

You are a great entrepreneur and your project will change this world!!

Keep up the good work

Please also take a look at Eyesaver:

Let's continue supporting each other

Dickson Priboye

July 15, 2019 09:56

Honey pays has brought great opportunity to us all and we are grateful to them, Honey pays has empowered many in Africa and is ready to do more. Thanks to Honey pays company for helping to save hunger in Africa as a whole, we are blessed to have you and are ready to stand with Honey pays because it truly pays.

July 15, 2019 06:06


No matter how great your business idea is it success will always depend on other people and that is through networking, am therefore humbles requesting you to subscribe my YouTube channel; OSHIKULU CULTURAL VILAGE CC. I am also inviting you to like our Facebook page; Munyalombe traditional Restaurant. Kindly follow me on LinkedIn as, Naemi Likius, on facebook as Pandula Yamukuwale and on instagram as; Pandula20may.

Let work together as a team, in achieving the SDG, I wish you all the best in this completion and click on the link below to support my idea

Naemi Likius
Oshikulu Cultural Village and Living Museum

July 14, 2019 09:59

Wishing you all the best. Lets keep supporting each other. I have left a vote for you.
I hope i can count on your vote and comment too

Kind regards
MotherCare app

July 14, 2019 00:35

Hi Abiola

Your project and the thought behind it are both inspiring. I hope your dreams are realised and this project achieves what it has set out. It's an inclusive and noble concept striding towards equality and bridging the gap between rich and poor. You have my appreciation!

Although we are in different categories, we can still continue to support each other and pace ahead together forward. Vote and comment if you like my idea at

Best Regards


July 13, 2019 12:22

This is a great one, I hope you win because the impact you've made in the just a little over two years with no external funding is courageous. Well done Team Honeypays

July 13, 2019 10:05

Your project is great and will definitely change the world for the better. I rooted for it.

Good luck with the competition.

Please support Eyesaver as well:)

July 12, 2019 22:25

Hre i come with not much, but just a vote to take you a step further. please vote for me too
[email protected]
#necessity is the mother of invention #


July 12, 2019 14:39

The first time l heard about it, l couldn\'t believe it, until l tried it over and over again. It\'s real. It allows me to plan for how to inject it into my business and plough back monthly. In fact, my savings is still my deposit, which l use to get the loan again and again. I will advise all genuine traders, business persons to avail themselves of this wonderful and unique financial service.

Diana Paul GBASSA

July 12, 2019 13:02

This is a great project that would transform and impact tremendously on small scale industry......this is what banks would not do for the petty traders. Kudos to you jor

Nicholas Thompson

July 12, 2019 12:34

When I see project for someone with great vision,all I can do is to support and encourage you to do too.
One great thing we lack in this country right now is the ability for great minds to rule most people ruling now are disabled in thought.
Empowering the youth is the best form of investment to a better growth in Nigerian.
Nicholas Thompson.

Ayantunji Remilekun

July 12, 2019 12:32

A fantastic initiative . Keeo it up. I am a beneficiary. Honeypays credit facility has helped me in so many ways. God bless you for giving us the opportunity to benefit from your initiative. Keep up the good work

July 12, 2019 12:27

Another day to give you my support.

There is time we face issue while working on our project. Sometimes it is easy do deal with the problem but sometimes not. If you feel like giving up, remember to take a time to analyse the problem ,and then, to think outside the box to find the perfect resolution.

We have to interact with other people's idea/project if we hope to be among the finalists. That is why I am asking you to comment and vote for my idea: High Thermal Insulation Perpend (HTIP) at which is nominated in the Youth Competition - Best Ideas 2019 category.
I always vote for those who take time to vote for me and leave a comment on my idea

Good luck in this competition.

Thank you leader for supporting my idea. I am grateful.

Hossana Gilbert

July 12, 2019 12:04

This is a great idea. I love it already.
Petty traders can now have access to loans to move into better businesses and also for young entrepreneurs that need money to execute their plans can now have access to a loan to execute their plans. Beautiful!!!

July 12, 2019 05:06

how is your morning that you very much for supporting my idea am also an early bird today. I voted for you

Enjoy your weekend

support my idea on the link below

Naemi Likius
Oshikulu Cultural Village and Living Museum

July 11, 2019 12:15

Hello, I am so grateful for your advise. You are so creative. Hence forth I will use the tagline SAVE OUR SOLES. Since they come in pairs I have added the plural. What a worthwhile pun!
With me is a vote for your project.
[email protected]
#necessity is the mother of invention #

July 11, 2019 11:00


Welcome to the campus life am inviting you to join my friendship circle where we will vote each other and comment on each other idea. kindly leave a link to your idea on mine. Thank you


We all know that as entrepreneurs we need to wear many hats. We often accountable for a wide range of responsibilities from marketing and business development to accounting and inventory control. As a business grows and begins to see some cash flow , however I encourage entrepreneurs to get help with the tasks that they either can't do well or that don't utilize their core strengths. At that point , having well-developed leadership skills is critical to success.

Oshikulu Cultural Village and Living Museum

July 10, 2019 23:52

How are you friend.
I am here to offer my support. The poor and we of small businesses actually have no reliable lending institutions. Of late, the banks have denied us loans leaving us in the hands of microfinance apps. These lending apps have no good terms for the poor people. Eventually the apps control each of our financial moves
[email protected]
#necessity is the mother of invention #

July 10, 2019 16:41

Hi Abiola,

Welcome to Campus. Thank you for taking action to solve the problem of the less deprived access to loans. You are not far from the truth. Over time, the less privileged and/or small businesses have been denied access to loans and you seeing this first-hand problem and making a resolve to provide a solution to the problem - you undoubted are best placed to address this problem. Kudos!

With this, I invite you to read, vote and comment on my idea by leaving your thoughts on my project page through the link below.