Question 1

What is myChow?

Accepted Answer

myChow is a localized campus foodtech platform designed for verified TVET trainees and stipend earners in Nigeria. It allows trainees to order fresh, hygienic meals from campus canteens with zero upfront cash, settling their food tab automatically when their allowance drops.

Question 2

Does myChow charge interest or late fees (Riba)?

Accepted Answer

No. myChow operates on strict 100% Zero-Riba principles (Murabaha retail trade margin). There is zero percent interest (0% APR), zero compound debt, and zero late payment penalties. Trainees pay only the clear retail price of their meal.

Question 3

Who is eligible to use myChow food credit?

Accepted Answer

Eligibility is strictly restricted to verified stipend and allowance earners, beginning with ~200 TVET trainees on ₦30,000 monthly Federal stipends at Brainstorm Skills Acquisition Center, Hayin Danmani, Kaduna. Credit tabs are strictly capped at 33% of verified monthly allowance.

Question 4

How fast is food delivery at Brainstorm Skills Acquisition Center?

Accepted Answer

Meals are prepared by vetted on-campus and near-campus canteens within 100 meters and delivered directly to workshop bays and classroom gates by dedicated student runners in under 10 minutes. Delivery is secured by a dynamic 4-digit verification PIN.

Question 5

How do campus food vendors get paid?

Accepted Answer

Food vendors receive 100% of their wholesale plate price (₦500 per standard plate) immediately upon delivery confirmation via automated instant bank transfer, completely eliminating unpaid credit books and vendor liquidity strain.

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