Your money is tracked separately
Contribution money and SWM charges are never mixed into one figure, on any screen or report.
SWM FINANCE
SWM Ajo runs your rotational savings digitally. One profile, one group ledger, one record of every naira received and every payout made, replacing notebooks, chats and spreadsheets.
An example. Your contribution and the charge are never added into one figure — on any screen, receipt or report.
How it works
Four steps from joining a group to collecting your turn.
You receive a permanent profile and a unique SWM code. That code is all staff need to find you.
Pick an amount and a frequency. Your contribution schedule and payout position are set from day one.
Why SWM
Six things that hold true on every screen, every receipt and every report.
Contribution money and SWM charges are never mixed into one figure, on any screen or report.
Each receipt names the staff member who recorded it, the exact time, the method and the proof.
A 3% management charge, a 5% late charge and a one-time ₦2,000 registration charge.
Tell us the plan you are interested in and an SWM representative will walk you through it.
Pay by cash or transfer. Every payment is recorded with the amount, the date, the staff member and the proof.
When your turn arrives, your payout is prepared, checked and confirmed, with the deductions shown in full.
Your position in the rotation and your scheduled payout date are visible from the day you join.
Download your contribution history, charges and payouts as a statement at any time.
A posted transaction can only be corrected by a recorded reversal, so history always stays intact.