Personal Cashbox
Your own account for wallet activity, savings goals, payment history, and programme funds. You can have a Cashbox without belonging to a club.
Clubmoni guide
Choose your Clubmoni setup
You can use Clubmoni on your own, join a group, start one, or raise money for a project. You do not need a second account to take on another role.
Join or run a group
Join with an invitation, or start a club using your existing account. Your memberships stay separate from groups you manage.
Join a clubRaise money for a project
Set a project budget and share its contribution link. Donors do not need a Clubmoni account. Each checkout is a one-time payment; there are no automatic repeat charges.
Allow any amount with an optional minimum, or set one fixed amount. Donors can return to contribute again.
Club and group types
These are for a group with members and shared rules. Choose the closest match; the setup then asks for the amounts and schedule your group agrees.
A club's type cannot be changed after creation.
Savings and contribution groups
Choose a group type to see the matching rules and records.
Book and Hand Club
Digitize traditional Books, Hands, contributions, payouts, and member records.
In practice
Members hold Books made up of Hands. The club records each Hand paid and the payouts it makes.
Rules to agree: Hand value, Hand collection frequency.
Osusu
Run a rotating savings group with scheduled member contributions and payouts.
In practice
Members contribute each round and take turns receiving the pooled payout in an agreed order.
Rules to agree: Contribution per round, Contribution frequency.
Co-worker Osusu
Coordinate workplace contributions, payout turns, and transparent member balances.
In practice
Co-workers contribute on an agreed schedule and take turns receiving payouts.
Rules to agree: Contribution per round, Contribution frequency.
Trade Union
Collect dues, issue tickets, manage welfare, and track member standing.
In practice
The union records joining fees, dues, tickets, member standing, and welfare payments.
Rules to agree: Union dues amount, Dues collection frequency.
Alumni Association
Manage alumni dues, welfare support, thanksgiving, and school projects.
In practice
Alumni pay dues and can contribute to welfare support or a school project.
Rules to agree: Alumni dues amount, Dues collection frequency.
Family or Descendants Group
Track family welfare, emergency support, and village descendant contributions.
In practice
Relatives contribute to a shared welfare fund and record support given to members.
Rules to agree: Welfare contribution, Welfare collection frequency.
Community Project
Raise and account for a defined project such as a borehole, hall, or community asset.
In practice
Members can agree pledges and instalments. For public fundraising, the owner can also share a project link so anyone can contribute without joining or creating an account.
Rules to agree: project budget, contribution amount, and public link.
Investment Savings
Pool investment contributions and maintain transparent ownership and profit-sharing records.
In practice
Members contribute toward investment units. Ownership and any later distributions stay on record.
Rules to agree: Investment unit value, Investment collection frequency, and the target.
Farming Cooperative
Manage seasonal savings, farm inputs, cooperative lending, and produce proceeds.
In practice
Members save through a farming season; the cooperative can track inputs, approved loans, and proceeds.
Rules to agree: Seasonal farm contribution, Farm contribution frequency.
Market Women Group
Run trader savings, working-capital lending, repayments, and scheduled payouts.
In practice
Traders save together and can track approved stock loans, repayments, and payouts.
Rules to agree: Trader savings contribution, Market collection frequency.
Lending groups
For organizations that issue loans and track repayments.
Micro-credit or Lending
Fund a lending wallet, approve controlled loans, and manage borrower repayments.
In practice
The organization funds a lending wallet, reviews loan requests, and records disbursements and repayments.
Rules to agree: loan fund, approvals, and repayment terms.
Older club labels
These labels remain on existing clubs but are no longer offered for new setups.
General Club
Existing general club with configurable savings and welfare rules.
Investment Fund
Existing investment group with contribution and profit-sharing records.
Ready to manage a group?
Start a club