Circles 360
Organise savings groups quickly and easily
Simple, scalable and safe
We have distilled the core of our award-winning Savings Circles platform into one easy-to-use toolkit for group operators and trade associations.
360 really means 360
Circles 360 lets you effortlessly serve your existing groups, add new members online and powerfully organise your Circles....all in one place.
Tell us how we can help you
The StepLadder team have poured their expertise into creating Circles 360 - from how to write terms and conditions to how to reach people via social media.
When you buy the Circles 360 package, you aren’t just getting a piece of software - you’re also getting the accumulated knowledge from a team who have spent years creating success in this sector.
Looking for a tool to help you with your savings side hustle?
Do you struggle to measure your members’ default risk? Do members keep dropping out? Do you find it hard to keep on top of record-keeping? Would you like to scale faster?
Our new platform is built for entrepreneurs around the world to help with these common group savings' issues.
Whether you call them ajos, susus, pardnas, chit funds, committees, stokvels, kixikila, paluwagan, or one of the other 90+ names for these powerful, community-based savings circles, Circles 360, will help you grow your business.
Are you struggling with…?
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A significant issue for ROSCA operators is the risk that members might default or stop contributing after they've received their payout. Since ROSCAs operate on trust and social capital, a single default can disrupt the entire cycle, causing financial losses and reducing the group's trust.
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Keeping members engaged throughout the ROSCA cycle can be challenging, especially if some members feel they are not benefiting equally or lose interest. This can be particularly problematic in larger groups or over longer cycles.
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Operators may face fraud or mismanagement issues, whether intentional or accidental. As ROSCAs are informal, they often lack formal financial management systems, making it difficult to track contributions and payouts accurately.
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Disputes among members, such as disagreements over the order of payouts or perceived unfairness, can create tension within the group. ROSCA operators often have to mediate these disputes, which can be time-consuming and stressful.
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Managing a ROSCA becomes increasingly complex as the group size grows. Larger groups can lead to administrative challenges, increased risks of default, and difficulties in maintaining trust and transparency among all members.
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Many ROSCAs operate without formal record-keeping, leading to disputes over contributions or payouts. This lack of documentation can also make it difficult for operators to prove that all transactions were conducted fairly.