AwaFund Learn
Everything you need to run a group fund your members trust
Practical guides for merry-go-rounds, susu and chama groups, alumni welfare funds and member loans. Written in plain English, with templates you can copy.
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Payments & records
Collecting group dues with mobile money: a practical guide
How to collect contributions by mobile money — group wallets vs direct transfers, payment references, reconciliation, reminders and avoiding common MoMo scams.
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Loans & credit
How to run loans in a savings group: the complete guide
How to lend to members safely — loan products, eligibility, limits, committee review, interest, repayment schedules, arrears and where the interest goes.
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Running a group fund
How to start an alumni or community welfare fund (step-by-step)
How to start a savings and welfare fund for your class, alumni association, church or community — purpose, rules, officials, dues, welfare, loans and records.
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Merry-go-rounds
What is a merry-go-round? The complete guide to rotating savings circles
How merry-go-rounds, susu, chama and other rotating savings circles work, why they're so popular, the risks to watch for, and how to run one fairly.
Merry-go-rounds
All 15 guides →Susu, chama, esusu and every other rotating savings circle — how they work and how to run one well.
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Merry-go-rounds
Bidding merry-go-rounds and chit funds: how auction rotations work
How bidding merry-go-rounds work — members bid a discount for early access and the discount is shared. Worked example, rules and the risks to watch.
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Merry-go-rounds
How to start a merry-go-round with friends (step by step)
A practical launch plan for a friends' merry-go-round — choosing members, setting the amount, agreeing the order, and the first meeting checklist.
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Merry-go-rounds
Is a merry-go-round worth it? The math of early and late payouts
Who really gains in a merry-go-round? Worked examples showing the early payout as an interest-free loan, the late payout as zero-interest saving, and inflation's effect.
Running a group fund
All 15 guides →Constitutions, committees, dues, welfare and audits for alumni, church and community funds.
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Running a group fund
How to revive inactive members in an alumni or welfare fund
Why members stop paying and how to win them back — diagnosing drop-off, removing friction, showing value, arrears amnesties and re-engagement messages that work.
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Running a group fund
Member joining and exit policy for savings and welfare funds
How to admit new members fairly and handle exits cleanly — joining fees, welfare waiting periods, refunds on exit, outstanding loans, and what happens when a member dies.
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Running a group fund
Opening a bank or mobile money account for your group fund
How to open a group account the right way — signatory mandates, documents banks ask for, mobile money wallets, and rules that stop one person controlling the money.
Loans & credit
All 10 guides →Lending inside a group: interest, credit scores, repayments, shares and dividends.
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Loans & credit
Bad loans in savings groups: provisions, write-offs and recovery
How a savings group should account for loans that may not be repaid — ageing arrears, simple provisioning rates, the write-off process, and how it affects dividends.
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Loans & credit
Emergency loans vs welfare grants: which should your fund offer?
When a member faces a crisis, should the fund lend or give? How to design fast emergency loans and welfare grants, what each costs the fund, and a simple decision guide.
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Loans & credit
Guarantors in group lending: how they work and how to protect them
How loan guarantees work in savings groups and SACCOs — what guarantors pledge, how much is locked, limits on guaranteeing, and what happens when a borrower defaults.
Payments & records
All 10 guides →Mobile money collection, reminders, bookkeeping and moving off spreadsheets.
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Payments & records
Collecting group dues with mobile money: a practical guide
How to collect contributions by mobile money — group wallets vs direct transfers, payment references, reconciliation, reminders and avoiding common MoMo scams.
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Payments & records
Handling cash contributions safely at group meetings
A safe routine for groups that still collect cash — two-person counting, the cash book, same-day banking, receipts, cash limits and moving to mobile money.
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Payments & records
How to reconcile mobile money statements for a group fund
A monthly reconciliation routine for group funds using MoMo, M-Pesa or other wallets — matching payments to members, spotting fees and reversals, and fixing differences.
Recently updated
- Bad loans in savings groups: provisions, write-offs and recovery24 September 2026
- Bidding merry-go-rounds and chit funds: how auction rotations work24 September 2026
- Collecting group dues with mobile money: a practical guide24 September 2026
- Emergency loans vs welfare grants: which should your fund offer?24 September 2026
- Guarantors in group lending: how they work and how to protect them24 September 2026
- Handling cash contributions safely at group meetings24 September 2026
- How to reconcile mobile money statements for a group fund24 September 2026
- How to revive inactive members in an alumni or welfare fund24 September 2026
- How to set loan limits for members of a savings group24 September 2026