Skip to content
Moria

Saving Goals

What it is

Section titled “What it is”

A saving goal is a named target a member saves toward — a Hajj fund, an emergency fund, school fees — funded by a fixed amount moved from the main balance each cycle into a holding dedicated to that goal. The member watches the balance grow toward the target and releases it when ready.

Shariah basis

Section titled “Shariah basis”

Held savings under Wadiah (safe-keeping), with Mudarabah (profit-sharing) where a goal is structured to share returns. No interest is paid on the held amount; growth, if any, comes from a compliant profit-share, not riba.

Who it is for

Section titled “Who it is for”
  • Members saving toward a specific target over time.
  • Cooperatives and organizations collecting regular dues from members (the dues variant below).

Typical goals: a locked multi-year Hajj fund, a flexible emergency fund a member can withdraw anytime, an education fund an admin sets up for a member.

Key capabilities

Section titled “Key capabilities”
  • Named target with an amount and a timeframe.
  • Scheduled auto-debit — a fixed amount moves from the main balance into the goal each cycle.
  • Liquidity choice — locked (held until maturity) or loose (withdraw anytime).
  • Pause / resume auto-debit without losing the goal.
  • Manual top-up — an off-schedule one-time contribution.
  • Withdraw the held amount back to the main balance.

Lifecycle

Section titled “Lifecycle”
stateDiagram-v2
    direction LR
    [*] --> Active: member creates goal
    Active --> Paused: pause auto-debit
    Paused --> Active: resume
    Active --> Completed: target reached / fully withdrawn
    Active --> Cancelled: member cancels
    Paused --> Cancelled: member cancels
    Completed --> [*]
    Cancelled --> [*]

    note right of Active
        Auto-debit runs each
        cycle on the due date
    end note
    note right of Paused
        Auto-debit skipped;
        an admin may still add
        a manual contribution
    end note

How the money moves

Section titled “How the money moves”

Funds shuttle between the main balance and the goal holding. Nothing leaves the platform until the member withdraws to a bank.

flowchart LR
    MEMBER([Member])
    MAIN[("Main balance")]
    HOLD[("Goal holding")]
    BANK[/"Bank<br/>(separate withdrawal)"/]

    MEMBER -.->|creates goal| HOLD
    MAIN -->|"auto-debit each cycle"| HOLD
    MAIN -->|"manual top-up"| HOLD
    HOLD -->|"withdraw / on completion"| MAIN
    MAIN -->|"withdrawal"| BANK

    classDef money fill:#FDF8E8,stroke:#3C2C96,stroke-width:2px,color:#1E1B4B;
    classDef edge fill:#FFF3D0,stroke:#F4BE27,stroke-width:1.5px,color:#8B5A00;
    classDef actor fill:#FFFFFF,stroke:#3C2C96,stroke-width:1.5px,color:#1E1B4B;
    class MAIN,HOLD money;
    class BANK edge;
    class MEMBER actor;

Variant — Cooperative dues

Section titled “Variant — Cooperative dues”

The same engine powers cooperative dues (iuran): a recurring obligation a member owes their organization, rather than a personal target. The organization defines the monthly amount; the member pays it from their balance, and the app shows current-month progress — paid or outstanding. Dues can be settled straight from the main balance or topped up first through the payment gateway.

What you can configure

Section titled “What you can configure”
  • Goal types — offer personal goals, cooperative dues, or both.
  • Liquidity rules — allow locked goals, loose goals, or restrict to one.
  • Admin-managed goals — let org admins create and manage goals on behalf of members.
  • Branding & language — the whole flow under your brand, in ID / EN / AR.

Limits

Section titled “Limits”
  • Auto-debit only runs when the main balance has funds; a short balance skips the cycle.
  • The goal does not pull from external banks — funds come from the main balance.
  • Locked goals hold funds until maturity by design.
Section titled “Related”