How Ajo Works

Understanding the Havitelah Ajo savings system

What Is Ajo?

Ajo is a traditional Nigerian collaborative savings system. Members contribute a fixed amount on a regular schedule. Each member receives a payout in turn. The system relies on discipline, trust, and accountability.

Step by Step

1. Join via WhatsApp

Join our WhatsApp group. Read the rules and understand the system. Membership is admin-approved only.

2. Provide Two Guarantors

One family member and one trusted friend. Full name, address, phone, relationship, and signature required.

3. Choose Your Plan

Select a savings package: daily, weekly, bi-weekly, monthly, or yearly. Pay on or before the due date.

Payout Policy

  • Daily Ajo: Payout next day only after full payment is confirmed.
  • Weekly Ajo: Payouts every Sunday.
  • Monthly Ajo: Payouts on the last day of the month only.

Important: No early payout. Requests are ignored. Payouts are processed after confirmation. Early payout only at admin discretion. Staying in the group means acceptance of these terms.

Rules in Brief

Contributions are fixed. Pay on or before the due date. Payout order is communicated before the cycle starts. Late or default may lead to penalties, suspension, or removal. Withdrawal is not allowed after the cycle begins except in exceptional admin-approved cases.

Full Rules & Policies