Circlworld — Your savings group, on the record.

The rotation order determines which member receives the hand in which period. You have two options today, with a third coming soon. Fixed order is the traditional model. You, as Treasurer, set the order when the circle is created. Member 1 receives in week 1, Member 2 in week 2, and so on. Most circles use this. The best fixed-order approach: assign positions based on member needs. A member saving for school fees due in September should receive before September. A member with no immediate need can take a later position. You know your members — use that knowledge. Random draw lets the platform assign positions randomly at the start of the cycle. Every member knows their position before the first contribution. This removes any perception of favouritism but also removes the ability to match positions to needs. Bidding (coming soon) allows members to bid for earlier positions. A member who needs the hand sooner offers a premium; the premium benefits the group. This is common in chit fund and tontine traditions. A practical tip: the first and last positions carry the most weight. The first member receives immediately — before they have contributed much. The last member contributes for the entire cycle before receiving. Neither position is better or worse, but both require trust. Put your most reliable members in the bookend positions.

Choosing a rotation order

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