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Moria

Saving Circles

What it is

Section titled “What it is”

A saving circle is a digital arisan: a group of members who each contribute a fixed amount every round, and one member receives the whole pooled amount each round. Turns rotate until everyone has received once. It is a familiar community savings habit, made automatic and auditable.

Shariah basis

Section titled “Shariah basis”

Built on Ta’awun (mutual cooperation). Everyone contributes and everyone receives the same total over the cycle — there is no interest and no gain at another member’s expense.

Who it is for

Section titled “Who it is for”
  • Communities, families, and workplaces running an arisan.
  • Cooperatives organizing rotating savings for their members.

Key capabilities

Section titled “Key capabilities”
  • Create a circle — set the contribution amount, the schedule, and the number of turns.
  • Add members — invite participants, including from an existing group.
  • Per-round contribution — each member pays their share every round.
  • Rotating payout — the full pot goes to the member whose turn it is.
  • Turn tracking — members see whose turn it is and whether they have contributed this round.
  • Admin-managed circles — an org admin can run circles on behalf of members.

Lifecycle

Section titled “Lifecycle”
stateDiagram-v2
    direction LR
    [*] --> Forming: create circle, add members
    Forming --> Active: first round begins
    Active --> Active: round completes, turn rotates
    Active --> Completed: every member has received
    Forming --> Cancelled
    Active --> Cancelled
    Completed --> [*]
    Cancelled --> [*]

One round

Section titled “One round”

Each round, every member contributes into the pot; the pot is paid out in full to the current turn-holder; then the turn advances.

flowchart LR
    subgraph MEMBERS[" Members "]
        direction TB
        A[(Main balance A)]
        B[(Main balance B)]
        C[(Main balance C)]
    end
    POT[("Round pot")]
    TURN([Turn-holder this round])

    A -->|contribution| POT
    B -->|contribution| POT
    C -->|contribution| POT
    POT -->|full payout| TURN
    TURN -.->|credited to| A

    classDef money fill:#FDF8E8,stroke:#3C2C96,stroke-width:2px,color:#1E1B4B;
    classDef pot fill:#FFF3D0,stroke:#F4BE27,stroke-width:1.5px,color:#8B5A00;
    classDef actor fill:#FFFFFF,stroke:#3C2C96,stroke-width:1.5px,color:#1E1B4B;
    class A,B,C money;
    class POT pot;
    class TURN actor;

What you can configure

Section titled “What you can configure”
  • Circle rules — contribution amount, round schedule, group size, turn order.
  • Who creates circles — members themselves, or org admins only.
  • Branding & language — under your brand, in ID / EN / AR.

Limits

Section titled “Limits”
  • A round can only complete when the participating members have sufficient balance to contribute.
  • Payout equals the pooled contributions — the platform adds no interest.
  • Turn order is fixed for the cycle once the circle is active.
Section titled “Related”