Why Group Savings?
Group savings aren't a "feature"—they are Zimba's trust engine. They replace collateral with social accountability and turn saving into a shared habit.
Social Accountability
Replace collateral with trust. Your group is your guarantee.
Shared Habit
Save longer when progress feels alive. Milestones celebrated together.
Viral Growth
People join faster when joining people they know, not an institution.
Credit Bridge
Group discipline unlocks individual loans, lower rates, higher limits.
Two Group Styles
Choose the saving style that works for your group
Accumulating Savings
VSLA Style
Everyone contributes regularly toward a shared goal. The pot grows until the target is reached or the cycle ends.
Perfect For:
- School fees savings
- Emergency funds
- Business capital pooling
- Land or asset purchase
How It Works
Members contribute weekly/monthly. Group sets goal amount and date. When reached, funds distributed or rolled over.
Rotational Savings
ROSCA Style
Everyone contributes regularly. Each cycle, one member receives the full pot. This rotates until everyone has had their turn.
Perfect For:
- Quick access to lump sums
- Burial societies
- Table banking groups
- Workmate savings circles
How It Works
"My turn will come." Everyone contributes UGX 50K weekly. Sarah gets UGX 500K this week. Next week, John. The circle delivers.
How Zimba Group Savings Works
Digital trust, preserved ritual, zero paperwork
Create in 2 Minutes
Group name, contribution amount, frequency (daily/weekly/monthly), and invite members via WhatsApp.
- • Fixed or flexible contributions
- • Private or semi-private groups
- • Emergency withdrawal rules
Full Transparency
Every member sees total balance, contribution history, streaks, and upcoming dates. No secrets.
- • Real-time balance updates
- • Contribution streak tracking
- • "Pending" not "Defaulted"
Credit Bridge
Strong group contribution history unlocks individual loans with lower interest and higher limits.
- • Faster loan approvals
- • Lower interest rates
- • Higher borrowing limits
Protection Pool (Optional)
Members contribute extra 1-3% to cover missed contributions or short delays. Surplus earns yield.
- • Covers temporary gaps
- • Boosts group confidence
- • Surplus rolls over or earns
Goals & Milestones
Progress bars, milestone celebrations (25%, 50%, 100%), confetti, and shareable achievement cards.
- • Visual progress tracking
- • "You did this together"
- • Share wins on social media
Group Reputation Score
Groups earn Gold/Silver/Bronze status based on consistency, retention, and behavior.
- • Better loan terms
- • Early feature access
- • Pride & recognition
"My Turn Will Come"
That single belief is why ROSCAs have near-zero default rates historically. Zimba digitizes trust without breaking ritual.
Turn-Based Payouts
Everyone gets their turn. Countdown timer shows "Your turn in 3 weeks." Anticipation builds.
Payout Day Magic
Confetti, pot animation, "🎉 It's Sarah's turn today. The circle delivers." Zimba's most viral moment.
Social Contract Enforcement
Once your turn passes, your obligation continues. This is the lock that prevents default.
Protection Against Risk
Mandatory savings history or bond deposit for first-timers. No one gets first turn without skin in the game.
ROSCA Example
10 members × UGX 50,000 weekly
UGX 500,000
Per payout (every week)
Turn Order (Visible to All)
After 10 weeks, everyone has received UGX 500K. Cycle complete. Group can restart with same or adjusted amount.
Our Principle
"People don't default on people they face every week."
Zimba simply makes that visible, dignified, and digital.