Susu & ROSCA Software for Collectors and Cooperatives
Native digital susu and ROSCA — collectors, rotating payouts, agent float, and mobile-money contribution — on the same audited ledger a full bank runs on.
The problem
- Susu and ROSCA groups run on cash and paper, with no audit trail and real fraud risk.
- Generic core banking systems have no concept of rotating contributions and payouts.
- Agent float and collections are impossible to reconcile without purpose-built tooling.
What Sika gives you
Groups & rounds
Model susu/ROSCA groups, members, contribution amounts, and rotating rounds.
Rotating payouts
Automate the payout order and disbursement each round.
Agent float
Track collector/agent float and reconcile collections.
Mobile-money contribution
Members contribute by mobile money; postings are atomic.
Arrears & reminders
Track members in arrears and send reminders automatically.
Full ledger
Every contribution and payout posts to a conserving double-entry ledger.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.
How it works
Four steps, all on a single audited core banking ledger.
- 1
Form the group
Create a susu/ROSCA group with members, contribution amount, and rotation order.
- 2
Collect
Members contribute each round by mobile money or agent; postings are atomic.
- 3
Pay out
The scheduled member receives the rotating payout automatically.
- 4
Reconcile
Agent float and collections reconcile against the ledger; arrears trigger reminders.
Susu & ROSCA: FAQ
What is susu / ROSCA software?
Susu (Ghana) and ROSCA software digitises rotating savings groups — members, contribution rounds, and rotating payouts — with agent float tracking and mobile-money contribution. Sika runs it on a full double-entry ledger, so a susu operator gets bank-grade auditability.
Does Sika support agent float and collections?
Yes. Sika tracks collector/agent float and reconciles collections against the ledger, so cash-in-hand and contributions are always accounted for.
Can members contribute by mobile money?
Yes — members contribute by mobile money and each contribution posts atomically to the group ledger.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.