The Scheme has a Credit Company as a wholly owned subsidiary to sell household consumer items to members on credit.

It is noteworthy that every initiative or activity carried out by The Scheme is expected to fulfill its primary objective (i.e. objective 1) which involves providing contributors with a welfare and retirement supplement package. In line with this, the loans and facilities offered to contributors, the investments in Real Estate, Oil and Gas and Mining Ventures are expected to generate profits which are distributed to members as returns on their investments.