About Àjọṣe
Saving together should never cost you your money.
Àjọṣe brings accountability and simple software to the oldest way people save together: the circle.
What Àjọṣe means
Àjọṣe is a Yoruba word for relationship and cooperation, people doing things together. It comes from a (we), jọ (together), and ṣe (to do).
“A”
Means “we.” It speaks to the collective community — no one journeys alone.
“Jọ”
Means “together.” Bringing people together in mutual solidarity and trust.
“Ṣe”
Means “to do.” Taking disciplined, collaborative action toward a goal.
For us it also carries a hope: when we do it together, we prosper together.
What we believe
The fundamental principles that guide every feature we build.
Community first.
Ajo runs on trust between people. We keep that, and add the tools that protect it.
Accountability built in.
Members are verified. Contributions are collected automatically on the due date. Payouts go straight to the member’s bank account. Every round is on a ledger the whole group can see.
Saving that reaches real goals.
School fees, rent, a trip, stock for the shop. We want disciplined group saving to be safe and simple for everyone, including people the banks overlook.
Our story
Ajo took me to the UK. It helped me fund part of my master’s, and I’ll always be grateful for it.
Ajo also cost me money. A friend and I joined a circle to save for a trip, and the admin ran away with the pot. Years later, it still comes up in our group chat.
What I learned is that Ajo doesn’t run on credit scores. It runs on trust, and trust is worth more than money. But trust alone is a risky thing to build on: one person holding everyone’s money, a ledger in someone’s notebook, a payment that’s late because the bank had a problem and a good member suddenly looks like a defaulter.
I didn’t want to replace Ajo. I wanted to protect it.
Ajo, Esusu, Susu, Hui. Different names in different places, but the same promise: we’ll look after each other, turn by turn. Àjọṣe is how I keep that promise safe.
It’s for families saving together, salary earners, students, traders, church groups, alumni circles and cooperatives. Anyone who saves together deserves a circle that doesn’t break.
Your turn should come. Turn by turn, no wahala.
Samuel Olatomide Akinboro
Founder, Àjọṣe