Qori-tuur caddaaladdiisa la hubin karo
Kala horreynta qaadashada oo aan kala sooc lahayn, oo leh abuur (seed) la kaydiyay. Qof kasta ayaa dib u hubin kara — mar dambe lama dhaho “maxay iyadu u heshay noobadda koowaad?”
ABAABULAYAASHA KOOXAHA KEYDKA · LACAGO BADAN
Noobad kasta,
Noobad kasta,
waa diiwaangashan.
Maamul hagbaddaada, committee, tanda, susu ama chama adigoon buug-qoraal isticmaalin. La soco cidda bixisay, si caddaalad ah u qori-tuur noobadaha, xubnahana hal taabasho ku xusuusi.
Bilaash ku bilow
Wuxuu shaqeeyaa internet la'aan
Marna ma haysto lacagtaada
Savings Circle waa app bilaash ah oo loogu talagalay abaabulayaasha kooxaha keydka wareegga ah (hagbad, ROSCA). Xubnuhu wareeg kasta isku lacag ayay ku shubaan hal wadar, hal xubin ayaana qaata wadarta oo dhan, ilaa qof walba noobaddiisa ka helo. App-ku wuxuu diiwaangeliyaa cidda bixisay, cidda noobaddeeda xigta iyo qaadasho kasta. Marna ma haysto, mana wareejiyo lacag.
Hal app oo loogu talagalay kooxda keydka ee qoyskaagu mar walba lahaa — magac kasta oo aad u taqaanno
CommitteePakistan · Hindiya
TandaMeksiko
SusuGaana · Kariibiyanka
ChamaKenya
ArisanIndooniisiya
PaluwaganFilibiin
Jam’iyaCarabta
StokvelKoonfur Afrika
TontineGalbeedka Afrika
Lending circleMaraykanka
PardnerJamayka · UK
EqubItoobiya
AjoNayjeeriya
AdasheNayjeeriya · Nayjar
HagbadSoomaaliya
HụiFiyetnaam
SamityBangaladheesh
JuntaPeru · Boliifiya
Hal daqiiqo ku diyaari. Sanad dhan iskeed ayay u socotaa.
1
Samee kooxdaada
U bixi magaca aad u taqaanno, deji qaddarka iyo jadwalka, xubnahana ka soo dar xiriiradaada.
2
Qori-tuur kala horreynta — si caddaalad ah
Wadajir u samee qori-tuur aan kala sooc lahayn, ama deji kala horreynta aad isku raacdeen. Natiijada weligeed waa la kaydiyaa.
3
La soco oo xusuusi
Hal jaleeco ku arag cidda bixisay. Inta kale hal taabasho ku xusuusi, qaadasho kastana diiwaangeli.
Astaamaha
Wax kasta oo buug-qoraalku qaban kari waayay.
Waxaa lala dhisay abaabulayaal ka kala yimid Karachi ilaa Nairobi ilaa Mexico City — dad sida kalsoonida kooxda oo dhan.
Xusuusin ku timaadda app-kooda
Hal taabasho ayaa furaysa WhatsApp, SMS ama Telegram, oo leh fariin edeb leh oo luqaddooda ah.
Wuxuu shaqeeyaa internet la'aan
Ku diiwaangeli lacag-bixinnada suuqa ama masjidka; wuu isku-waafajiyaa marka aad internetka dib ugu soo laabato.
Caddeyn & rasiidyo
Ku lifaaq sawir-shaashadeed, dir rasiid, oo lacag-bixin kasta ku arag diiwaan aan cidna si qarsoodi ah wax uga beddeli karin.
Xubnuhu waxba uma baahna
Abaabulaha keliya ayaa isticmaala app-ka. Xubnuhu xusuusintooda waxay ku helaan WhatsApp, SMS ama Telegram, iyagoo aan waxba soo dejin.
Lacago badan, luqado badan
Laga bilaabo USD ilaa PKR iyo KES, koox walba lacagteeda iyo qaabka tirooyinka ee deegaanka. Barnaamijyada taleefanka iyo webkuba waxay ku jiraan 19 luqadood, midig ilaa bidix Urdu, Carabi iyo Faarisi.
Kalsooni
Savings Circle ma haystaa lacagtaada? Marna.
Xubnuhu waxay sii bixiyaan habka ay aaminsan yihiin — lacag caddaan ah, bangi ama moobaylka. Savings Circle waa diiwaanka: lacag-bixin kasta, qori-tuur kasta iyo qaadasho kasta waqti ayaa lagu calaamadeeyaa oo waa la xiraa, sidaas darteed khilaafaadku xaqiiqo ayay ku dhammaadaan.
Boorso ma jiro, lacag lama hayoWax la jabsado ma jiro, wax la xannibo ma jiro.
Wax-ka-beddelku raad ayuu reebaaSaxitaannadu waa gelitaanno cusub, marna dib-u-qoris ma aha.
Xogtaadu, go'aankaagaWax walba dhoofi ama tirtir, waqti kasta.
Asal ahaan waa gaarDiiwaannadaada marna lama iibiyo, xayeysiisna looma isticmaalo.
Su'aalaha
Su'aalaha abaabulayaashu weydiiyaan
Savings Circle ma haysaa ama ma wareejisaa lacagtayada?
Maya. Xubnuhu midba midka kale wuxuu u bixiyaa sidii ay mar walba sameeyeen — lacag caddaan ah, bangi, moobaylka. App-ku wuxuu keliya diiwaangeliyaa cidda bixisay, cidda xigta iyo waxa lagu leeyahay.
Xubnaha oo dhammi ma u baahan yihiin inay soo dejiyaan app-ka?
Maya. Abaabulaha keliya ayaa u baahan. Xubnuhu xusuusinta waxay ku helaan WhatsApp, SMS ama Telegram, oo ka timaadda taleefanka abaabulaha.
Sidee buu qori-tuurku caddaalad u yahay?
App-ku wuxuu kaydiyaa abuur (seed) aan kala sooc lahayn ka hor qori-tuurka, kooxdana wuu la hayaa, sidaas darteed qori-tuurka mar dambe ayaa dib loo samayn karaa, isla kala horreyntiina wuu keenaa.
Waddamada iyo lacagaha kee ayaa shaqeeya?
Waddan kasta. Koox kastaa waxay doorataa mid ka mid ah 24-ka lacagood ee app-ka: doolarka Maraykanka, yuuroo, bownd, rubiyadda Pakistan, Hindiya iyo Nepal, shilinka Kenya, naira, beeso, beesada Filibiin, rupiah, real, riyaal, diinaarka Kuwait, yen, taka, dong, lira, birr, cedi, shilinka Soomaaliga, metical, afgaani iyo riyaalka Iran, waxaana lagu darayaa kuwo kale. Qaabka tirooyinka, hababka lacag-bixinta iyo app-yada xusuusinta waxay raacaan gobolkaaga.
Savings Circle ma ku isticmaali karaa kombiyuutar?
Haa. Ka soo gal app.savingscircle.app isla akoonka aad taleefanka ku isticmaasho: iimayl iyo furaha sirta, kood laguu soo diro iimaylkaaga, ama Google. Kooxahaagu labada dhinac ayay isku-waafajiyaan. Markaad ku dhammayso kombiyuutar la wadaago, fur liiska profile-kaaga oo dooro Ka bax.
Is there an Apple Watch app?
Yes. The Savings Circle app for Apple Watch shows today’s rounds, who has paid, what you owe and whose turn it is, and it can sit on your watch face or in the Smart Stack. Organizers can mark a payment as paid from the watch. You set up groups on your iPhone, and the watch stays in sync with it.
Maxaa dhaca haddii taleefankaygu iga lumo?
Ku soo gal iimaylkaaga, kooxahaaguna akoonkaaga ayay ku kaydsan yihiin. Taleefanka cusub ku soo gal, wayna soo noqonayaan. Sidoo kale waqti kasta waad dhoofin kartaa fayl kayd ah.
Maanta bilow kooxdaada.
Free on Android, iPhone and Apple Watch. Members don’t need the app.
Ka helGoogle PlayKa soo dejiApp Store
Also on Apple Watch. Install the iPhone app and the watch app comes with it. Get it on the App Store.
Also on Mac with Apple silicon (macOS 14 or later), using the same app. See it on the App Store.