Give your staff a built-in financial safety net — with zero manual work. Run voluntary thrift savings pots and auto-matched Ajo rotating credit groups, with all contributions deducted from payroll automatically every month.
Every feature ships ready to use on day one — no configuration consultants, no hidden costs.
Staff opt in and choose a monthly amount to save. Contributions are deducted from payroll automatically and tracked in a personal savings ledger. Members collect their full pot at year end.
Staff join a fixed contribution tier (₦10,000, ₦20,000, ₦30,000 or ₦50,000/month). The system auto-matches them with colleagues at the same tier. Each month one member receives the full pool.
Members select their contribution tier and are automatically placed in a group with 4–10 colleagues at the same level. Once 4 members are matched, the cycle starts — no manual coordination needed.
All contributions — thrift savings and Ajo — are deducted directly from the member's monthly net pay. No cash handling, no missed payments, no manual follow-up for HR.
HR and Finance see every active group, contribution tier, running balances, rotation schedule, next recipient and payout history in a single real-time dashboard.
Ajo members cannot exit a group once the cycle has started — protecting all other members in the rotation. Thrift withdrawal requests are routed to HR for approval before processing.
Transparent pricing. Add this module to any eligible plan with one click from your portal dashboard.
Core HR for growing teams.
Employees opt into thrift savings, an Ajo group, or both from their self-service portal. Thrift members set their monthly amount. Ajo members pick a contribution tier.
The matching engine groups Ajo members by contribution tier. Once 4 members are matched the cycle starts and a random rotation order is assigned. The group closes at 10 members.
Each month, contributions are deducted automatically from payroll. HR sees the full ledger in real time with zero manual input required.
Ajo: the next member in the rotation receives the full pool. Thrift: members collect their full accumulated savings at year end or a configured payout date.
Thrift & Ajo shares data in real-time with your other GadaHQ modules. No duplicate data entry, no manual syncing.