The process
How our Saving Groups work.
From forming a circle to receiving your turn, here's exactly how a community-led IBIMINA cycle runs.
Our work processWe follow the best way
We follow the best way
to grow every saving.
From forming a trusted circle to receiving your rotation, every Isano cycle is transparent, democratic, and built to grow.
1
Step 1
Form a Group
15–30 people who know and trust each other come together. Neighbors, colleagues, friends. Trust is the foundation.
2
Step 2
Contribute Regularly
Each member contributes a fixed amount weekly or monthly. Amounts are agreed democratically by the group.
3
Step 3
Rotate the Fund
Each cycle, one member receives the full pooled amount. The order is agreed in advance. Everyone gets their turn.
4
Step 4
Grow Together
Members learn financial literacy, open SACCO accounts, and build credit histories. Savings become investments.