Join m-naira App Rotational Savings Group in saving together for the raining day.

A mobile app that helps people create and manage Rotational group Savings with their friends and family members.

What are the Rotational Savings Clubs?

A Rotational Savings Club is a group of individuals who save and borrow together in a form of peer-to-peer banking. Group members contribute funds into a pool on a regular basis, and then take turns withdrawing funds from the pool. Rotational Savings Clubs are also known as Ajo, Esusu or Otataje in west Africa.

How it Works

  1. Download the  m-naira App and  register with your phone or email
  2. Setup Ajo savings group with a corresponded agreed amount and  Or Pick a group from the marketplace that corresponds with the needed amount and your preferred payment terms.
  3. Pick a position in the group’s rotation and make  regular group  contributions
  4. Invite your  friends & family  to join your group and Reach your saving goal
  5. Take turns withdrawing funds  from the group  savings pot
  6. Complete your commitment to the group and your new payment history will incrementally unlock special community privileges.
  7. Create a GroupCreate Group is a peer to peer savings and loan service based on the principles of traditional rotating loans, savings, and cooperative society.
    It will be rotational as per the selected slot. Your share of the amount will be deducted from your m-naira wallet balance automatically as per the given date. You will be notified once your wallet is debited for this feature.Create Group Savings (You will become Admin of the group)STEPS:
  • Open m-naira App
  • Select <Group savings>  Click on Create a New group
  • The new screen will open which asks you to enter Group Name, Group Description, Number of group members, group payment frequency, start date, lump-sum amount per slot, and group visibility.
  • Click on NEXT -> Select group members either by selecting from the contacts list or enter it manually and click on ADD
  • Click on NEXT -> Enter how do you know other group members and how long you met each other.
  • Click on NEXT -> Select any slot from the given list.
  • Click on NEXT -> Accept term and conditions of the group.
  • Click on NEXT -> Detail confirmation screen will show all the entered details.
  • Click on CREATE GROUP -> App will call Create Group and if everything is the ok app will show success screen otherwise error screen will show with an appropriate message and the user can re-try from there.
  • If everything is ok, the app will send an invitation by PUSH and SMS to each member of the group. Member can accept this invitation if he/she wants to become part of this group.

Group Invitations

You will receive PUSH and SMS for group invitations if you are invited by the group admin.


  • Open m-naira App
  • Select Group Savings -> Select Group Invitations
  • The new screen will show a list of all the group invitations you have received.
  • Click on any group request -> detail screen will open which shows group information.
  • You can either decline or accept this group invitation.
  • To accept this invitation, you need to select a slot from available slots as per the number of group members of the group.
  • Once you accept this invitation, the admin of this group will receive PUSH that you have accepted his group invitation.
  • Admin of the group can Remove any Member, Add new Member to the group, Make admin to any member and Remove Admin.
  1. Join Group

    You can join any pre-existing group by sending a request to the admin of that group.Join Group RequestSTEPS:
  • Open m-naira App
  • Go to Group Savings-> Select Join Existing Group
  • The app will show all the public groups, select any group from the drop-down, enter the source of income, and profession.
  • Click on NEXT -> Screen will show details of a group like a group name, description, created date, and admin of that group.
  • Click on NEXT -> Accept terms and conditions of the group.
  • Click on JOIN GROUP -> App will send group joins request to Admin of the group.
  • If everything is ok, the app will show success screen with message otherwise error screen will show.
  • On success, the app will send PUSH to the admin of the group. Admin can accept that request and you will be notified about that.

Received Join Group Request

Admin can view all the received requests for joining a group. Admin can Accept this request if he found member appropriate.


  • Open m-naira App
  • Select Group savings -> select Join Group Requests
  • If you are an admin of any group, the app will show a list of existing requests received for join group.
  • Click on any request -> Detail screen will open which shows group information in detail.
  • You can accept this request by clicking on the ACCEPT button at the bottom of the screen.
  • On Success, the app will send PUSH to the new members and this member will be added to the group.