Susu & ROSCA Software for Collectors and Cooperatives
Native digital susu and ROSCA (collectors, rotating payouts, agent float, and mobile-money contribution), on the same audited ledger a full bank runs on.
The problem
- Susu and ROSCA groups run on cash and paper, with no audit trail and real fraud risk.
- Generic core banking systems have no concept of rotating contributions and payouts.
- Agent float and collections are impossible to reconcile without purpose-built tooling.
What Sika gives you
Groups & rounds
Model susu/ROSCA groups, members, contribution amounts, and rotating rounds.
Rotating payouts
Automate the payout order and disbursement each round.
Agent float
Track collector/agent float and reconcile collections.
Mobile-money contribution
Members contribute by mobile money; postings are atomic.
Arrears & reminders
Track members in arrears and send reminders automatically.
Full ledger
Every contribution and payout posts to a conserving double-entry ledger.
Launch your institution on Sika
From application to your own branded core banking, live in weeks, not years.
How it works
Four steps, all on a single audited core banking ledger.
- 1
Form the group
Create a susu/ROSCA group with members, contribution amount, and rotation order.
- 2
Collect
Members contribute each round by mobile money or agent; postings are atomic.
- 3
Pay out
The scheduled member receives the rotating payout automatically.
- 4
Reconcile
Agent float and collections reconcile against the ledger; arrears trigger reminders.
susu · ROSCA · chama · esusu · rotating savings · agent float · group savings · financial inclusion · mobile-money contribution
Susu & ROSCA: FAQ
What is susu / ROSCA software?
Susu (Ghana) and ROSCA software digitises rotating savings groups (members, contribution rounds, and rotating payouts), with agent float tracking and mobile-money contribution. Sika runs it on a full double-entry ledger, so a susu operator gets bank-grade auditability.
Does Sika support agent float and collections?
Yes. Sika tracks collector/agent float and reconciles collections against the ledger, so cash-in-hand and contributions are always accounted for.
Can members contribute by mobile money?
Yes. Members contribute by mobile money and each contribution posts atomically to the group ledger.
Launch your institution on Sika
From application to your own branded core banking, live in weeks, not years.