Running a group fund
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.
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Running a group fund
Resolving disputes in group funds without losing members
A fair, step-by-step way to settle money disputes in savings groups, chamas and alumni funds — from checking records to mediation, votes and conflict-of-interest rules.
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Running a group fund
Savings group glossary: 40 terms explained in plain English
Plain-English definitions of the words used in merry-go-rounds, susu, chama and savings funds — from ROSCA and pot to arrears, standing, shares and trial balance.
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Running a group fund
Should you register your group fund? Options and trade-offs
Informal group, registered association, cooperative or company limited by guarantee — how to choose a legal form for a savings or welfare fund and what each involves.
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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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Running a group fund
Preventing fraud in group funds: 12 controls that actually work
The practical controls that stop fraud and costly mistakes in savings groups, chamas and welfare funds — from dual signatories to member-visible records.
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Running a group fund
Annual audit checklist for savings groups and welfare funds
A practical year-end audit checklist for group funds — cash reconciliation, contributions, loans, welfare claims, shares, controls and the report to members.
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Running a group fund
How to run an AGM for your savings or welfare group
A practical guide to your group's annual general meeting — notice, agenda, financial report, audit, elections, dividends and rule changes, with a sample agenda.
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Running a group fund
Spreadsheet vs software: the best way to keep your group's records
An honest comparison of notebooks, Excel or Google Sheets, and purpose-built software for savings group records — with the signs it's time to switch.
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Running a group fund
Group fund constitution template for alumni and welfare associations
A section-by-section constitution template for a savings and welfare fund — membership, dues, benefits, officials, loans, meetings, audits, amendments and dissolution.
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Running a group fund
Welfare packages explained: medical, funeral and emergency cover for groups
How savings groups design welfare cover — premiums, package tiers, annual limits, claims evidence and keeping the welfare reserve healthy — with worked numbers.
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Running a group fund
Treasurer, credit committee, audit committee: who does what in a group fund
The key roles in a savings or welfare fund — chair, secretary, treasurer, credit and audit committees — what each does, and how separating duties protects members.
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Running a group fund
How to set monthly dues for your savings or welfare group
A simple method for choosing monthly dues that members can keep paying — affordability, welfare costs, savings goals, minimums vs fixed amounts, and when to review.