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Topics
Ready for the Treasurer path?
Short lessons, practical qualification.
What is in it for me?
You already save in a pardna. So why use Circlworld? Because it makes your savings count beyond your circle.
Your first circle in 5 minutes
Everything you need to know to join a savings circle and make your first contribution.
Inviting members
How Treasurers invite members to join a circle, and what new members need to do.
Setting contribution amounts
How to choose the right contribution amount for your circle.
Choosing a rotation order
How to decide who receives the hand and when.
Confirming contributions
The most important thing you do as Treasurer: confirming that members have paid.
Processing payouts
How to process the hand when all contributions are in.
The Circle Protection Reserve
How the CPR protects every member if someone defaults.
What to do when a member is late
A late payment is not a crisis. Here is how to handle it.
What to do when a member misses
When a member has not paid and is not responding.
Communication tips for Treasurers
How to communicate with members in a way that builds trust.
Circle rules and voting
Which rules the platform sets, which the circle sets, and how to change them.
Handling disputes
What to do when members disagree.
Member exits
How to handle a member leaving — voluntarily or by vote.
What is a Standing score?
How your Standing score works and what affects it.
What is the Financial Reliability Record?
Your verified savings history — and why it matters.
How contributions affect your score
What happens to your Standing every time you contribute — and what happens when you do not.
Sharing your record with institutions
How to share your Financial Reliability Record (FRR) with lenders, landlords, and employers.
What Circa can help with
Meet Circa — your AI assistant on Circlworld.
Asking Circa to navigate
Tell Circa what you need. She takes you there.
Circa for Treasurers
The four Circa capabilities included with every Treasurer subscription.
Pardna (Caribbean)
The Caribbean savings circle tradition — from yard to global community.
Susu (West Africa)
The West African savings tradition that predates modern banking.
Chama (East Africa)
The Kenyan savings group tradition that powers businesses, education, and community investment.
Chit Funds (South Asia)
The South Asian savings tradition with a unique bidding mechanism.
Tanda (Latin America)
The Latin American savings circle — from Mexico to Peru.
Stokvel (Southern Africa)
South Africa’s community savings clubs — a R50 billion tradition.