How savings circles work.
Plain guides to pardner, ajo, esusu and other savings circles, for the people who run them and the people who pay in.
Getting started · 4 min read
How to start a pardner
Six steps, from choosing your people to collecting the first round.
Staying safe · 2 min read
Is a pardner legal and safe?
What unregulated means for your money, and how to lower the risk.
Staying safe · 4 min read
What to do when someone stops paying
From a private chat to a letter of demand and a court claim.
The basics · 3 min read
What are savings circles called around the world?
Pardner, ajo, susu, tanda and the other names for the same idea.
The basics · 4 min read
What is a susu?
Sou sou money, how a round works and how to spot a fake one.
The basics · 3 min read
What is a tanda?
The Mexican savings circle in English, with a worked example.
The basics · 3 min read
What is a kameti or committee?
The South Asian savings committee, from the draw to the last payout.
The basics · 3 min read
What is ayuuto or hagbad?
The Somali savings circle, what the word means and how a round works.
The basics · 4 min read
What is ajo in English? What does esusu mean?
What the two words mean and how a group runs from round to round.
Getting started · 3 min read
How to start an ajo contribution
Who to invite, who collects first and what to agree in your WhatsApp group.