Everything you need to run a modern savings circle
From circle setup to draws, payments, chat, and disputes — all in one place. Jamiya replaces WhatsApp threads and paper ledgers with a single source of truth your circle can trust.
Savings circles
Create, join, and manage savings circles of any size. Jamiya supports the way your community already works.
Create with templates
Start from a proven template or a blank savings circle. Name, amount, frequency, draw method, privacy, and unit limits — step by step with a review before you launch.
Invite modes that fit your circle
Private invite codes, request-to-join for public discovery, or fully public savings circles. Personal invite tokens let admins share one-off links.
Multi-unit members
Let one person hold multiple slots in the same savings circle with per-unit contributions, draws, and payouts.
Trust score and reputation
Every completed savings circle builds a public reputation score that admins can use to gate high-trust circles.
Draws
Transparent draws that stand up to scrutiny — on phones, not paper.
Random draw with persisted seed
Server-side execution with a committed seed and a shareable fairness record. Every member can verify the outcome independently.
Sequential rotation
Pre-set order that everyone agrees to when the circle is set up. No surprises, no favoritism.
Bidding draws
Members bid for early payouts; the discount flows back to the circle. Full bid history and round-by-round results.
Shareable draw card
Export a shareable summary card you can post back to WhatsApp so non-members can see the outcome without joining.
Contributions & payments
Track every payment, with or without card processing.
Self-reported with proof
Members mark payments and attach proof; admins verify. The contribution ledger is always up to date.
Flexible amounts
For savings circles where contributions vary per round, members set their own amount within admin-defined min/max bounds.
Payout instructions per member
Bank, mobile money, or custom payout destinations stored privately against the member row. Treasurers can assist when needed.
Optional Stripe Connect
When your treasurer onboards, winners can be paid out via Stripe. Opt in per savings circle; the rest stays tracking-only.
Trust, safety & disputes
Money circles live or die on transparency. Jamiya builds it in.
Disputes you can resolve
Members file disputes with attached evidence. Admins adjudicate in-app; every update is logged.
Insurance fund (opt-in)
A small per-contribution fee builds a pool that can cover short payments and missed rounds — configurable per savings circle.
Activity log
Every join, payment, draw, and payout recorded with a timestamp and actor. Export when you need an audit trail.
Privacy tiers
Private savings circles are readable only by members. Sensitive payment routing lives on a member-only subdoc.
Everyday workflow
The small details that keep a savings circle running smoothly.
Phone sign-in with OTP
No passwords. Localized errors when a number is invalid, rate-limited, or unreachable.
Circle chat
Each savings circle has its own in-app chat so members can coordinate rounds, reminders, and questions without leaving Jamiya.
Notification channels
Push, WhatsApp, or SMS — members choose how they hear about draws, reminders, and disputes.
Community translations
Members can suggest translations for ARB strings; accepted contributions ship in future updates.
Achievements and track record
Profile screen showing savings circles completed, contributions made, and draws participated in.