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Savings circles, explained
Whether you call it ajo, esusu, adashe or osusu, 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.