Savings circles and tontines
Know who paid and who receives, round after round. Simple methods, concrete examples, and the details to check before confirming a record.
Guides in this topic · 2
Savings circles · 9 min
How to run a savings circle: ledger, written rules and late payments
The savings circle organiser’s job: a rules template and a ledger to copy, wording for late payments and dropouts, a payout routine and records for disputes.
Updated 24 Sept 2026
Savings circles · 9 min
Tanda, susu, chama, tontine: the global guide to savings circles (ROSCAs)
How a rotating savings circle works, its names around the world, World Bank figures, bidding circles, credit building, scams to avoid and the rules that keep it fair.
Updated 23 Sept 2026
Put it into practice
Say it once. Binome360 keeps the record.
A sentence, a voice note or a receipt photo: the assistant prepares the record in the right space, you confirm. 7 days free.