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Savings circles, explained
Whether you call it pardner, susu, ajo, esusu, chama, njangi, mukando or tanda, the idea is the same. Plain guides for members and organisers, with no jargon.
What is a rotating savings circle?
How a rotating savings circle works: a group pays in the same amount on a schedule, and each round one member receives the whole pot. Ajo, pardner, susu and more.
Read the guideAjo and esusu explained
What ajo and esusu are, how a rotating ajo works, how it differs from a daily ajo collector, and how to keep an esusu group fair and on record.
Read the guidePardner and partner hand explained
What a pardner is, how a partner hand works, what the banker does, and how Caribbean families in the UK and beyond keep a pardner fair today.
Read the guideSusu, chama, committee and other names for the same idea
Susu, chama, committee, tanda, njangi, stokvel, tontine and more: the many names for a rotating savings circle around the world, and what they share.
Read the guideHow the payout order is decided fairly
Ways a savings circle sets its payout order (a draw, by hand, or members choosing), what makes a draw fair and checkable, and how to agree the order.
Read the guideIs a savings circle safe? How to make yours safer
Is ajo, pardner or susu safe? The real risks of a savings circle, the warning signs of a scam, and simple steps that make your circle safer.
Read the guideHow to run a savings circle as an organiser
A step-by-step guide to running a savings circle, ajo, pardner or susu as the organiser: choosing members, setting rules, the payout order, and each round.
Read the guideWhat happens when someone misses a payment
What a savings circle can do when a member pays late or misses a payment: reminders, late and missed rules, guarantors, and keeping the group together.
Read the guideReady to try it? The free tools work out a pot, draw a fair order and print a schedule, all in your browser.
Run your circle on one record
Start a group in minutes, or open the invitation your organiser sent you. Rotaro runs on the web today, on any phone or computer.