Groups differ in what they save for and how often they meet, not in what they need from their records: the right money against the right name, officials who approve together, and members who can check for themselves. Find yours below.
Investment groups: Monthly shares, a register of land, shares and T-bills with valuations, and dividends credited by the rules you agreed.
Table banking: Weekly or monthly savings lent straight back to members, with interest, guarantors and repayments tracked for you.
Welfare groups: Regular welfare contributions, claims with documents for bereavement, hospital bills or a new baby, and payouts approved by your committee.
Merry-go-rounds: Set the order, see whose turn it is and who has paid into this round, and pay the pot out with approvals.
SACCOs and co-operatives: Member deposits and shares, loan products with guarantors, multi-level approvals and proper financial statements.
Family and clan groups: Contributions for school fees, funerals, family land and gatherings, open to every member of the family, wherever they live.
Church and faith groups: Men's, women's and youth fellowships, choirs and small Christian communities keeping savings, welfare and project money accountable.
Workplace and staff groups: Staff welfare funds and savings schemes with monthly contributions, emergency loans and payouts approved by the committee.
Alumni and professional groups: Class funds, alumni associations and professional networks collecting dues and contributions for bursaries, events and investments.
Traders and transport groups: Daily or weekly savings into a till, emergency loans with guarantors, and welfare for members on the road or at the market.
Diaspora groups: Members abroad and at home investing and supporting each other, with books they can check from any time zone.