Guides

Ajo and community savings guides

Ajo, esusu, adashe, osusu and susu are related savings traditions, with rules that vary between groups and collectors. Explore contributions, payout turns, digital records and the questions to ask before joining a circle.

Ajo savings apps

Choosing an Ajo savings app in Nigeria

Compare Ajo savings apps by contribution records, payout schedules, fees and member controls. Learn how to move your existing circle to My Ajo App.

Read the guide → Adashe savings

Adashe savings: how to organise your group

Learn how an Adashe savings group sets contributions, rotates payouts and keeps records. Organise your existing Adashe circle with My Ajo App.

Read the guide → Osusu and Susu

Osusu and Susu savings: groups and collectors explained

Understand Osusu and Susu savings, the difference between rotating groups and individual collectors, and how My Ajo App helps manage a savings circle.

Read the guide → Start here

How does esusu (ajo) work?

Contributions, rotation, and payout order — explained with a simple worked example.

Read the guide → Trust & safety

Is ajo (esusu) saving safe?

What actually goes wrong in a circle, how to lower the risk, and what to check before you join.

Read the guide → Compare

Ajo vs a bank savings account

Where each one wins, and how to get the discipline of ajo with more safety.

Read the guide →

Ready to run your own circle?

My Ajo App collects contributions automatically, records every payment, and shows who pays on time — so the money is there when it's your turn.

Start your circle