A Traditional African Rotating Savings Circle, Now Digital
Known as susu in Ghana, esusu/ajo in Nigeria, chama in Kenya, stokvel in South Africa, and tontine in Francophone Africa
The Simple Principle
Susu is a traditional African savings method where a group of people come together to save money collectively. It's also known as a ROSCA (Rotating Savings and Credit Association).
A simple, transparent process
Gather 3-50 trusted friends, family members, or community members. Everyone must know each other and agree on the contribution amount and schedule.
The group decides together on the contribution amount, payment schedule (daily, weekly, monthly), and payout order.
Same amount for all members
Daily, weekly, or monthly
Every member contributes the agreed amount at the scheduled time. Naa Sika tracks all contributions automatically via WhatsApp, Telegram, or USSD.
Each period, one member receives the entire pot (all contributions combined). The payout rotates through all members until everyone has received once.
Everyone contributes GHS 100, 10 members = GHS 1,000 payout each cycle
See how a typical Susu cycle works
Get started with these simple steps
You must be invited by an existing member of the group, or know all the group members physically. This ensures trust and accountability.
The group administrator will provide you with a unique 6-digit group code to join.
Use your preferred platform to join the group:
Once approved by the group, you'll start contributing according to the agreed schedule. All your contributions and the group's activity are tracked digitally.
You must know all group members physically before joining
Mutual trust is essential for the success of the group
Naa Sika provides the digital platform but is not responsible for non-payment by members
Members are responsible for ensuring all contributions are made on time
Why thousands choose Susu for savings
Regular contributions build consistent saving habits
Get a lump sum when it's your turn without taking loans
Access larger sums without any interest or fees
Build stronger relationships through shared financial goals
All contributions and payouts tracked digitally
Manage your group via WhatsApp, Telegram, or USSD
Get notified when contributions are due
All payments secured via mobile money
Connect with friends and family to build wealth together
Back to Savings Options