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Tontine Savings Groups

Join a trusted community savings circle rooted in African tradition — modernized for immigrant families in the U.S. Build wealth together, support each other, and achieve your financial goals.

Join a Tontine Group How It Works
200+
Active Members
$500K+
Savings Facilitated
15+
Active Groups
100%
Payout Success Rate
Tontine Savings
What Is a Tontine?

A Time-Honored Tradition of Community Savings

A Tontine (also known as a "susu," "njangi," "esusu," or "hui") is a rotating savings and credit association practiced across Africa, the Caribbean, and Asia for centuries. Members contribute a fixed amount regularly, and each member receives the full pot on a rotating basis.

At Teranga, we organize, manage, and facilitate Tontine groups with full transparency, accountability, and digital tracking — so you can save with confidence.

  • No bank required — community-powered savings
  • Builds financial discipline and credit history
  • Transparent tracking and digital records
  • Culturally familiar and community-driven
Join a Group Today
How It Works

Simple, Transparent, Powerful

Here's how our Tontine savings groups work from start to finish.

1

Join or Form a Group

Apply to join an existing group or start a new one with friends, family, or community members.

2

Set Contribution Amount

The group agrees on a fixed monthly contribution amount (e.g., $200/month per member).

3

Rotating Payouts

Each month, one member receives the full pot. The order is determined by lottery or agreement.

4

Everyone Wins

By the end of the cycle, every member has received a lump sum equal to the total group contributions.

Benefits

Why Join a Teranga Tontine?

Our Tontine groups offer more than just savings — they build community and financial empowerment.

Forced Savings Discipline

Regular contributions create a savings habit that's hard to maintain alone — the group keeps you accountable.

Access to Lump Sums

Receive a large sum of money at once — perfect for paying rent, starting a business, or covering emergencies.

Zero Interest

Unlike loans, Tontine payouts carry no interest. You get back exactly what the group contributes — no fees.

Community & Trust

Build meaningful relationships with fellow community members who share your values and financial goals.

Digital Tracking

All contributions and payouts are tracked digitally with full transparency — every member can see the records.

Build Financial History

Consistent participation demonstrates financial responsibility and can support future credit applications.

Get Started

Join a Tontine Group Today

Fill out the form and our team will contact you within 48 hours to match you with the right group based on your savings goals and contribution amount.

Groups forming monthly — join anytime
Contribution amounts from $100–$1,000/month
Groups available in multiple languages
Fully transparent digital tracking
Start your own group with our support

Tontine Group Application

Already a Tontine Member?

Access your member dashboard, view your payout schedule, and make payments online.

Access Tontine Member Portal
Client Testimonials

What Our Clients Say

Real stories from real clients — verified reviews from immigrants we have helped across the United States.

"I joined the Tontine savings group 6 months ago and just received my $2,000 payout. The process was completely transparent and organized. I used the money to pay off debt. I have already referred 3 friends!"

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Fatou B. 🇬🇳 Guinea · Tontine Savings Group
Verified
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