What is Adashe?
Adashe, also written adashi, is a name used for community contribution arrangements in Nigeria. In the rotating form, members contribute regularly and one person receives the pooled amount each round. The group agrees when contributions happen and how the payout turn is chosen.
The Central Bank of Nigeria's overview of informal credit arrangements describes esusu and adashi as contribution-based schemes with periodic payments and rotating beneficiaries. That historical description explains the model; it does not endorse any particular app.
Write down the rules before the first contribution
- Membership: list everyone taking part and make sure each person accepts the arrangement.
- Contribution: agree the amount, due date and payment method.
- Payout order: record who collects each round and how the group approves any change.
- Costs: show any organiser or service charges separately from the contribution.
- Missed payments: decide who follows up, how members are informed and how disputes are handled.
- Leaving: agree how a departure would be handled, especially after someone has already received a payout.
A weekly Adashe example
Suppose eight members agree to contribute ₦5,000 each week for eight weeks. If everyone pays, the weekly pot is 8 × ₦5,000 = ₦40,000. A different member receives it each week. Every member contributes ₦40,000 across the full rotation and receives one ₦40,000 pot, before any agreed charges.
If one contribution is missing, that week's collected amount is ₦35,000. A record should show the shortfall clearly. Do not mark a full payout as completed just because it was scheduled. This example assumes one turn per member and no added fees.
Keep a record members can check
For each round, record the amount due, the payment received, the confirmation date and the payout status. Keep reported payments separate from confirmed receipts. Let members raise errors promptly, while transfer references and receipts are still easy to find.
An organiser's private notebook can become hard to reconcile as the group grows. A digital ledger gives the circle a consistent place to follow contributions and turns. It still depends on accurate entries and careful confirmation.
Use My Ajo App for your Adashe circle
Create a circle or bring an existing group into My Ajo App, invite the members and review the schedule together. Use the ledger for payments your group handles manually, or complete the setup required for automated collections. Members can follow contribution activity and payout turns in the app.
Check the available schedule options and displayed fees before starting. If your existing arrangement has unusual rules, confirm that the setup supports them rather than changing the group's agreement without discussion.
Is Adashe different from Esusu?
The names are often used for related savings traditions. Your group's actual rules matter more than its name. Read the esusu rotation example to compare the mechanics, and the osusu and susu guide for the distinction between rotating groups and individual collection arrangements.
Adashe depends on members continuing to contribute. An app cannot remove that risk or guarantee a payout. Review what to check before joining a circle.
Bring your circle online
Keep your members, contributions and payout turns organised with My Ajo App.
Start your circle